These may be some good sites to look into:
Office of the Privacy Commissioner Consumer Bad Credit Repair Guide (they have a section for Australians)
Uniform Consumer Credit Code
Where to get your reports:
(this info was from that first link above)
Credit reports are generally required to be given free of charge.
There are two main credit reporting agencies. Their contact details are:
Veda Advantage
Public Access
PO Box 964
North Sydney NSW 2059
Phone:1300 762 207
Fax: (02) 9951 7880
URL:
My Credit File - Veda Advantage
Email:assist.au@vedaadvantage.com
Dun & Bradstreet
Public Access Centre
Dun & Bradstreet (Australia) P/L
PO Box 7405
St Kilda Road VIC 3004
Phone: 132 333
Fax: 03 9828 3185
URL:
Dun and Bradstreet - Dun & Bradstreet - Order my consumer report
Email:customerservice@dnb.com.au
People living in Tasmania can also contact:
Tasmanian Collection Service:
GPO Box 814H
Hobart TAS 7001
Phone: 03 6213 5555
Fax: 03 6234 2988
URL:
Tasmanian Collection Service
Email:
enquiries@tascol.com.au
Well, hopefully that will at least get you going in the right direction.
Good luck