How to Check and Dispute a Tenancy Database Listing

What tenancy databases are

Tenancy databases are private commercial databases that landlords and agents subscribe to. They record adverse tenancy history — things like unpaid rent above a certain threshold, damage claims, or tenancy terminations for breach. The main databases used in Australia are TICA, National Tenancy Database (NTD), and Equifax.

Landlords and agents routinely check these databases when assessing rental applications. A listing can cause your application to be rejected without explanation.

When a landlord or agent can legally list you

Tenancy database laws are regulated by each state. Generally, a landlord or agent can only list you after your tenancy has ended, and only for specific reasons such as:

• Unpaid rent above a specified amount (often more than one week's rent) • Damage to the property beyond fair wear and tear • The tenancy having been terminated by a tribunal order for serious breach

They cannot list you simply because of a dispute, because they did not like you as a tenant, or for matters that have been resolved. They must also notify you before listing and give you an opportunity to respond.

How to request a copy of your listing

You have the right to access information held about you on tenancy databases. You can contact each database directly:

• TICA: tica.com.au — free tenant enquiry available • National Tenancy Database: ntd.com.au • Equifax (formerly Veda): equifax.com.au

Some databases charge a fee for access; others offer free checks. You may need to provide proof of identity. It is worth checking all three if you suspect you may be listed.

Grounds to dispute an inaccurate listing

If you find a listing, check whether it meets the legal requirements. You can dispute a listing if:

• The information is factually incorrect (wrong amount, wrong property, wrong dates) • The listing was made for a reason that does not meet the legal threshold in your state • You were not notified before the listing was made • The matter has since been resolved (e.g. debt paid) and the listing should have been updated or removed

Contact the database first and request a correction. If the database does not act, contact your state tenancy authority or fair trading body.

Timeframes for correction and prevention

Database operators are required to investigate disputes and correct inaccurate information within a reasonable timeframe — typically 30 days. If the listing is found to be incorrect, it must be removed or amended.

Prevention is easier than correction. Before ending any tenancy, try to resolve disputes formally, get any agreements in writing, and keep records of payments. If a dispute with your landlord is likely, consider contacting your state tenancy authority before the tenancy ends.