Buy your online credit report and receive it within 24 hours

You can see your credit report almost instantly – find out how.

Last updated:

You can order your credit report and credit score online within one business day depending on where you order it from. You'll usually need to pay a fee to access your credit report immediately from a credit reporting bureau in Australia, but you can also order it for free and receive it within 10 business days.

If you're applying for a new line of credit, it's important to check your credit score and report before you apply. If you need your credit report quickly, you can use this guide to compare how you can get it within 24 hours in Australia.

Free credit score & report

Lenders know your credit score, so why shouldn't you?

Get your credit score and comprehensive report now!

How can I receive my credit report within 24 hours?

You can order and receive your credit report within one business day from any of the major credit reporting bureaus in Australia. This includes Experian, Equifax, Dun & Bradstreet and Tasmanian Collection Service. You'll usually need to pay a fee to have it delivered to you within 24 hours.

If you don't need it in a rush, you can also order your credit report for free and receive it between 3 and 10 days. The time frame will vary depending on where you order your report. You can do this for free and get a copy of your Experian credit report and score with Finder. You can receive a free copy of your report once a year or if you've had an application for credit rejected within the last 90 days.

If you want to receive your credit report immediately, you can compare the different processes and fees set by the different reporting bureaus.

Which credit reporting agencies can send me a copy of my credit report?

You can request an instant copy of your credit report from Australian credit reporting bureaus Experian, Equifax, Dun & Bradstreet and Tasmanian Collection Service. Most of these services offer free credit reports, but you'll need to pay a fee if you want to get your report within 24 hours. You can compare the prices below:

Credit reporting bureauCostProcess
EquifaxBetween $4.95 and $19.95 per monthThe cost varies depending on which credit report package you purchase. The basic one includes 1 credit report per year and credit alerts when something changes on your report.
Dun & BradstreetUp to $60 per yearYou can order a copy of your credit report and receive alerts whenever any information changes on your report.
Tasmanian Collection Service$20You'll need to complete a form and pay the fee to receive credit report immediately from TCS.

This information is correct at the time of writing, but make sure to check the credit reporting bureau website directly for all of the details.

What information do I need to provide to receive my credit report?

You'll need to complete a form before you can receive your credit report. You'll be asked to provide personal information and relevant documents. The documents provided must be copies or digital scans of the original documents.

  • Personal details. Including your name, date of birth and preferred method for the credit report to be delivered.
  • Proof of identification. You'll need to provide proof of identification such as your Australian driver's licence number, passport, Medicare card, proof of age card, Roads and Maritime Services photo card or public employee photo ID.
  • Residential information. You'll need to provide details of your previous and current residential addresses.
  • Employment. You may be asked to detail your current and previous employer.
  • Contact information. You'll also need to provide your daytime telephone number.

What information is held on my credit report?

A credit report contains numerous information that can be grouped into three sections namely; consumer credit, commercial credit, and the public credit sections.

  • Personal information. Your name, date of birth, where you live, your employment information, your driver's licence and your gender.
  • Consumer credit information. If you hold or have applied for consumer credit it will be listed on your report. The listing will include details such as the type of credit, the date the account was opened and closed, the credit limit, the monthly repayment history and if any accounts are overdue.
  • Commercial credit information. This section details applications made for commercial credit, active credit accounts and any overdue accounts you might have.
  • Public record information. Public record information shows any court judgments, debt agreements, bankruptcy, and insolvency that is applicable to you. However, when a credit report is compiled, public credit forms part of the consumer credit section.
  • Defaults notes. If you have any overdue notes, missed payments or serious credit infringements, they will be listed on your credit report.

Why is it important to check my credit report?

It's important to check your credit report at least annually. However, you should always review your credit report and score before you apply for a new line of credit. When you check your report, you can look out for false information that could be hurting your credit score. If you see any suspicious-looking information on your credit report, you can flag this with the credit reporting bureau as it could be an instance of identity theft.

As well as identifying errors, it's also important to check your credit report before you apply for a loan or credit card so you have an idea of the likelihood of whether you'll be approved or not. Most Australian credit cards require applicants to have a good credit history, but you can find some loans that are designed for applicants with bad credit. If you do have a low credit score, check out Finder's guide to credit repair for the steps you can take to get your finances back in order.

Most Australian credit reporting bureaus offer ways to order a copy of your credit report instantly. As this service usually comes at a cost, make sure to compare your options before you pay and review your report carefully once it arrives.

Picture: Shutterstock

Ask an Expert

You are about to post a question on

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms of Use, Disclaimer & Privacy Policy and Privacy & Cookies Policy.

9 Responses

  1. Default Gravatar
    annieMay 15, 2019

    Hi I would like to know if I have a credit report.

    • Avatarfinder Customer Care
      NikkiMay 16, 2019Staff

      Hi Annie,

      Thanks for getting in touch with Finder! As it says on the information above, even if you have never applied for a credit product with a bank or standalone lender you may still have a credit report. If you’ve had a mobile phone contract or held a utility contract in your name, this is a form of credit. You may have also had interest-free store finance which is a type of credit card and listed on your credit file. You can easily check if you have a credit report by using our FREE credit score check on this page. If you’d prefer to get your credit report directly from a bureau, you can get one for free every 12 months.

      Hope this was helpful. Don’t hesitate to message us back if you have more questions.

      With care,

  2. Default Gravatar
    ARMINAFebruary 8, 2019


    How do I order my credit report from finder?

    Thank you


    • Avatarfinder Customer Care
      JeniFebruary 11, 2019Staff

      Hi Mina,

      Thank you for getting in touch with finder.

      Please note that we fetch user’s credit report from our provider – Experian. If you have an account on finder, you may obtain a copy of your free credit report by completing the steps this page. Please make sure that you have your Australian passport or driving licence handy to complete your request.

      I hope this helps.

      Thank you and have a wonderful day!


  3. Avatarfinder Customer Care
    JonathanFebruary 21, 2018Staff

    Hi, thanks for your comment!

    Please go to this page for your free credit score.



  4. Default Gravatar
    MichaelDecember 11, 2016

    I have an above average credit score and I want a copy of my credit file as it stands now.

    • Avatarfinder Customer Care
      JasonDecember 11, 2016Staff

      Hi Michael,

      Thank you for reaching out.

      Please click this link to get a free copy of your credit report from My Credit File within 10 working days. You can also pay a fee to have it delivered to you within 24 hours.

      I hope this helps.

      Kind regards,

  5. Default Gravatar
    GiuseppeOctober 26, 2015

    I want to have a fast track credit report how do I apply?

    • Avatarfinder Customer Care
      ElizabethOctober 26, 2015Staff

      Hi Giuseppe,

      Thanks for your question.

      Please click ‘Go to MyCreditFile’s website’ to order a copy of your credit report.

      I hope this has helped.



Ask a question
Go to site