Knowledge & Help
Free Resources
The free services every Australian can use — regulators, ombudsman services and financial counselling. We point you to the source, so you can read it as written.
Free help — straight from the source
Every service below is free, independent and run by the government or a not-for-profit. If you'd rather deal with a regulator, an ombudsman or a counsellor yourself, these are the right doors to knock on.
AFCA — Australian Financial Complaints Authority
A free, independent service that resolves complaints between consumers and financial firms — including credit providers. If you have a dispute with a lender that can't be settled directly, AFCA is the free external body that reviews it.
ASIC — Australian Securities & Investments Commission
Australia's corporate and financial services regulator. ASIC licenses credit providers, enforces the credit laws, and takes reports about misleading conduct and credit repair scams.
OAIC — Office of the Australian Information Commissioner
The Information Commissioner handles privacy and credit reporting complaints — including disputes about the information held on your credit file.
Moneysmart
The Australian Government's free money guidance site, run by ASIC — plain-language guides on credit reports, credit scores, loans, and dealing with debt.
National Debt Helpline
Free, independent and confidential financial counselling for anyone struggling with debt. Financial counsellors are not-for-profit and don't charge for their help.
Looking for our plain-English guides?
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