Some providers use debt collectors to recover unpaid bills.
A debt collector may also be called a mercantile agent.
If the provider can't recover the money, they might report the debt to a credit agency.
Providers must tell customers if this happens.
Some customers only find out about a credit listing after they apply for credit.
This may be for a loan, credit card or mobile phone.
Their application may be refused because of the listing.
Getting your credit report
If you are listed with a credit reporting agency, you can ask the agency for a copy of your credit report.
You can usually get one free credit report every 12 months.
In some cases, the agency may charge a fee.
It usually takes about 10 working days to get the report.
If your credit report is wrong
If the information in your credit report is wrong or misleading, you may be able to get help.
If the issue is about an energy or water provider, contact us.
You can also contact the Office of the Australian Information Commissioner.
For free legal advice, contact the Financial Rights Legal Centre.
What do I do if I am credit listed?
We can investigate if:
- you do not agree with the amount of the debt
- you do not believe you owe the money.
If we find the provider made an error, the provider will usually need to fix your credit listing.
We look into disputes over credit listings for unpaid energy and water bills.
This service is free.
We advise customers not to use debt management or credit repair companies.
These companies may charge high fees.
Bankruptcy and disconnection
Your electricity, gas or water can be disconnected if you owe money, even if you are bankrupt.
The Australian Financial Security Authority says a supplier may ask for payment or a bond.
This applies to unpaid housing. It also covers essential service accounts like electricity, phone, or gas.
If you are bankrupt and want to stay connected, you will usually need to:
- pay what you owe
- set up a payment plan.
If you cannot agree on a fair payment plan with your supplier, contact us.
For help with credit, debt and banking, contact the National Debt Helpline.
