Who is AFSA?
AFSA is the Australian Financial Security Authority which is responsible for the application of bankruptcy and personal property security laws in Australia
Who is ASIC?
ASIC is the Australian Securities and Investments Commission and is the integrated corporate, markets, financial services and consumer credit regulator in Australia.
Trying to fix your credit file:
Free help is available for this service at the MoneySmart section of ASIC's website.