Free credit report (takes up to 10 days)

woman checks credit reportFind out where you'll stand on your next application by getting a copy of your credit file for free.

Your finances are always documented, whether it be through your bank statements or through your own tracking. One document that tracks your finances in a more comprehensive way than most is your credit file. It's a public record of your loan applications and repayment history, both positive and negative, and it's what lenders use to decide if you're a good or bad candidate for a loan. You'll need to visit Equifax directly to get a copy of your credit file

You're entitled to a free credit report once a year or if you've recently been rejected for a loan or credit account. You can also pay to receive your file if you aren't eligible for a free report or to if you want to receive it more quickly. Find out what's in your credit file, how you can access your report and everything else you need. To learn more, read the comprehensive guide to your credit file.
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How can I receive a free credit report within 10 days?

Credit file agencies are required to provide you with a copy of your credit file within 10 days of you requesting it. They are also required to ensure that the credit information they hold on you is accurate, updated and relevant, so you can send them revision requests if you discover any errors in your credit history. You're eligible to receive your credit file within 10 days if you meet the following criteria:

  • You have had an application for credit, such as a loan or credit card, rejected in the previous 90 days
  • You have lodged a request for information to be corrected and you have been advised that the information has been corrected
  • You have not accessed your file in the previous 12 months (you can view your file for free once every 12 months)

Guide to your credit file

What information is held on my credit file?

Credit reporting agencies specialise in collecting information about your credit history and compiling it into your credit file. This information is gathered from sources such as credit card providers, courts and mortgage lenders.

  • Personal details. This includes your name, current address, where you work, your date of birth, your gender and your driver’s license number.
  • Consumer credit information. Credit applications you've made in the past five years, what type of accounts they were, the dates they were opened and closed, credit limits and monthly repayment information.
  • Defaults. If you have overdue debts or have missed payments on loans or utility bills they will be listed on your file.
  • Public record information. This includes details on bankruptcies, court writs and judgements, personal insolvency agreements or anything held on the public record.
  • Commercial credit information. If you have made enquiries for commercial credit or are overdue on payments for commercial credit, this will be listed on your file.

What credit reporting agencies can I receive a copy of my credit report from?

There are a few credit reporting agencies that can give you access to your credit file and correct any incorrect listings.

  • Equifax. Equifax offers a comprehensive view of your credit history. A free copy of your report can be sent to you within 10 business days, or you can sign up to one of Equifax's credit alert packages and receive your Equifax Score, along with an express credit report for $79.95.
  • Experian Australia. This credit information provider can help you track and manage your financial information and correct errors in your credit file. You can get a copy of your credit report from them for free within 10 days. Anyone in Australia can access their credit file through Experian.
  • Tasmanian Collection Service. This agency contains a comprehensive credit database on the Tasmanian population, and you can order your credit report from them for $20 or get a free copy within 10 days. Businesses can reduce the risk of incurring a bad debt by requesting for up-to-date TSC credit reports.
  • Dun & Bradstreet. This agency deals with personal business credit reporting. You can check your own credit report or check various credit reports for businesses. You can order and receive your free D&B credit file online within 10 working days or have it sent within a day or two via express post for just $30.

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

The information you need to provide will differ with each credit reporting bureau. Generally, you will need the following:

  • Your full name
  • Your date of birth
  • Your driver's licence number
  • Two forms of identification i.e. a copy of your birth certificate, passport or drivers licence
  • Your current residential address
  • Name of the organisation that you last applied for credit

Why is it important to check my credit file?

A yearly check and revision of your credit file can help improve your chance of getting loans and credit card applications approved.

  • Looking for incorrect personal information. Details of your current address, employment information and other personal details need to be accurate when applying for credit.
  • Checking for incorrect defaults. Incorrect defaults may include serious credit infringements that would make your credit history look bad to lenders. Any incorrectly listed defaults, missed utility and loan repayments need to be corrected occasionally so that your credit report remains healthy.
  • Accessing credit. Lenders are more likely to approve your credit application if you currently have no debt, have a history of making payments on time and have had a stable job and address.

Frequently asked questions

Do I have a credit file?

If you have ever applied for any form of credit such as a loan or credit card, you will have a credit file. You can even have a credit file if you hold a utility bill in your name or have held a store card or store interest-free finance

Can I have information removed from my credit history?

Yes. You can have incorrect details removed if you request a revision from a credit reporting agency. Overdue debt and credit application information can only be updated by your credit provider, so you may have to follow it up with them.

Will I find out my credit score when I receive my free credit report?

Each credit reporting bureau will have a different credit score for you, but only some will give it to you if you order a free credit report. For example, you will need to sign up to Equifax's credit monitoring service to see your Equifax Score but you will receive your Experian credit score when you receive your free Experian credit report.

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42 Responses

  1. Default Gravatar
    KristineJuly 22, 2017

    I would like to get my credit report so I can pay and improve my credit score. How do I do that?

    • Staff
      LiezlJuly 22, 2017Staff

      Hi Kristine,

      Thanks for reaching out.

      To get your credit report, please click the green “Get your free credit report” button above. Please keep your driver licence or Medicare card handy. You may check our guide here for tips on how to improve your credit score after obtaining a copy of your credit record.

      I hope this has helped.

      Cheers,
      Liezl

  2. Default Gravatar
    StevenJuly 6, 2017

    I wanna know my whole credit rating and sort every debt out that I have .

  3. Default Gravatar
    Amber4careyJuly 6, 2017

    I wanna know my whole credit rating and sort every debt out that I have and make a good life for my little family.

    • Staff
      RenchJuly 6, 2017Staff

      Hi,

      Thanks for reaching out to us.

      You can go to this page to get a free credit score by entering your details from your Australian driver’s licence. Then you can check this page to understand how a credit score works. You may also get helpful info on this page on how you can improve your credit score.

      Hope this information helped.

      Best regards,
      Rench

  4. Default Gravatar
    CarolineJuly 2, 2017

    I would like a credit report.

    • Staff
      JhezelynJuly 2, 2017Staff

      Hi Caroline,

      Thanks for your comment.

      You can request a free credit report though this page. With a credit report, you’ll have an idea how you got a certain score.

      Regards,
      Jhezelyn

  5. Default Gravatar
    IanJune 28, 2017

    Is it because I applied for 4 loans in a short period?

    • Staff
      JonathanJune 28, 2017Staff

      Hi Ian!

      Thanks for your inquiry! We’re happy to hear from you. :)

      Loan application as well as credit cards’ are considered “hard inquiries” into your credit file. We recommend that you space them out especially if you get rejected from your previous applications, as it may influence negatively the newer attempts.

      If you want to know more on how you can start improving your score, this is our guide.

      Hope this helps.

      Cheers,
      Jonathan

  6. Default Gravatar
    VincentJune 22, 2017

    History of credit

    • Staff
      JonathanJune 22, 2017Staff

      Hi Vince!

      You are on the right page! Click “Get your free credit score instantly” green button to start the process. :)

      Hope this helps.

      Cheers,
      Jonathan

  7. Default Gravatar
    KathyJune 20, 2017

    History of my credit, please.

    • Staff
      LiezlJune 20, 2017Staff

      Hi Kathy,

      Thanks for reaching out. Just to confirm, you have reached finder.com.au, not actually Equifax.

      If you want to check your credit history, you can get a free copy of your credit file which will be delivered to you within 10 days or order for an express credit report for a fee and receive it within one business day. Simply click the “Go to Equifax’s website” button above to get one.

      Cheers,
      Liezl

  8. Default Gravatar
    MelissaJune 19, 2017

    History of my credit

    • Staff
      LiezlJune 19, 2017Staff

      Hi Princess,

      Yes, your credit file contains a variety of information including personal details, credit accounts you’ve applied for, accounts you’ve defaulted on and more. It’s a good idea to check your credit file for incorrect information and to ensure your credit position is where you think it is. You can request your free credit report from this page.

      I hope this has helped.

      Cheers,
      Liezl

  9. Default Gravatar
    NelsonJune 18, 2017

    I just got refused credit and they told me that I can get a free copy of my credit file. How can I do this?

    • Staff
      RenchJune 18, 2017Staff

      Hi,

      Thanks for reaching out.

      Please make sure that you’re entering the same details that you have on your Australian driver’s licence correctly on the credit score form. Incorrect details are one of the reasons why it can’t get any record of your credit file. If you’re getting a message like it can’t provide a credit score, you might not have a record. You can check this page for more info.

      Please contact us if you are getting other error messages when submitting your details in the credit score page.

      Best regards,
      Rench

  10. Default Gravatar
    RosaJune 8, 2017

    How do I get a free copy of my credit score, as I think there’s a debtor listed in there?

    • Staff
      JonathanJune 8, 2017Staff

      Hi Rosa!

      Thanks for the comment.

      You can proceed on this page to get your free credit score. Click “Get my free score” orange button to proceed.

      Hope this helps.

      Cheers,
      Jonathan

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