Frequently Asked Questions

How can I get a free copy of my credit report?

You can request a free credit report from any credit reporting body once a year or if you have been refused consumer credit within the past 90 days. You can also contact CreditSmart to obtain a copy of your credit report. If you're not eligible for a free credit report you can pay a small fee to a credit reporting body to access your credit report.
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Latest security alerts & fraud protection
View our latest online security alerts, frequently asked questions and learn how we protect you from fraud at Heritage Bank.
Contact us 24/7

Our local Australian contact centre is waiting for you. Call 13 14 22 or if overseas, call +617 4694 9000.