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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74 Responses

  1. Default Gravatar
    StephNovember 15, 2017

    Hi Finder financial techs,
    I had paid my loans out and have my car as an asset now, i dont have any liabilities apart from living expenses and have cleaned up any oustanding debts. Why is my credit score still poor? Im 31, work full time earning good money and no dependents. I had defaulted a while ago – would that be influencing my rating? How long does it take to rebuild?

  2. Default Gravatar
    WendyNovember 13, 2017

    Please I would like to check my credit I think my indefinite got thief or how ever my credit now got problems I’m want to be prove

    • Staff
      ArnoldNovember 13, 2017Staff

      Hi Wendy,

      Thanks for your inquiry

      You may order a copy of your credit report by checking out this page. Please make sure you click the ‘Go to Equifax’s Website’ button in order to be redirected to their site. You have the option to receive a soft copy of your credit report thru email or choose to be mailed a hard copy of your credit report.

      Hope this information helps


  3. Default Gravatar
    AdrienNovember 5, 2017

    I put in .au and I shouldn’t have its just could you please change some how

    • Staff
      DanielleNovember 6, 2017Staff

      Hi there!

      Thank you for contacting finder. We are a comparison website and general information service, we’re more than happy to offer general advice.

      I would suggest that you go through the process again using the correct email address.

      I hope this helps.


  4. Default Gravatar
    LisaOctober 17, 2017

    I don’t understand why I have bad credit rating?

    • Default Gravatar
      JonathanOctober 17, 2017

      Hello Lisa,

      Thank you for your inquiry.

      There are several factors that may affect your score which you can read on this page.

      Usually, in order to get a more detailed understanding on how your score was computed, you’d need to request for a credit file. If you find all entries are non-disputable, your next step is to inquire about credit repair to slowly improve it.

      Hope this helps.


  5. Default Gravatar
    DavidOctober 13, 2017

    Are lenders expected to tell you if they have rejected an application because of an adverse report or can they cover this up with other reasons?

    • Staff
      RenchOctober 13, 2017Staff

      Hi David,

      Thanks for your inquiry. Please note that we are not affiliated with any company we feature on our site and so we can only offer you general advice.

      I’m afraid we don’t have the answer to that question. You may go to this page and get info on why lenders reject applications for loans.

      You can also have a look on this page for personal loans that you can compare if you have a bad credit. Please click the name of your preferred lender to find out the details and the minimum eligibility. You may then click the green “Go to Site” button to submit your loan application online.

      Best regards,

  6. Default Gravatar
    MeghaOctober 10, 2017

    I don’t have Australian licence or Medicare card. I am an International Student. How Can I apply for a credit report? without licence or Medicare card.

    • Staff
      DanielleOctober 11, 2017Staff

      Hi Megha,

      Thank you for contacting finder. We are a comparison website and general information service, we’re more than happy to offer general advice.

      I would suggest that you contact Equifax directly so that they can pull up your information and provide you with your credit report. You may refer to this page for more information.

      I hope this helps.


  7. Default Gravatar
    GokhanOctober 7, 2017

    I just wanted to know if i have any defaults

    • Staff
      JoanneOctober 7, 2017Staff

      Hi Gokhan,

      Thanks for reaching out.

      A lender needs to send you notices before it can list a default on your credit file. These notices should be sent in the way your credit provider normally contacts you, either mail or email. If no payment is received after those 60 days the credit provider can have the default listed after 14 days. To double check, you may want to review your mails or emails received. That topic is also further discussed on this page.


  8. Default Gravatar
    NathanSeptember 29, 2017

    What is holding up me from getting a loan
    Ive paid all my debits to my knowlage.
    Im working , and have no debits.

    • Staff
      ArnoldSeptember 30, 2017Staff

      Hi Nathan,

      Thanks for your inquiry

      Your loan may have been rejected because:

      You have defaults on your credit report (overdue payments of 60 days or more where debt collection activity has started)
      After considering your income and your existing debts, the credit provider thinks you may struggle to make the loan repayments
      You do not have enough money saved in your bank account to prove that you can make the loan repayments
      The law states that your credit provider must lend you money responsibly. This means that they must not lend you money if they think the credit is unsuitable for you.

      If your loan application has been rejected, it is possible that the credit provider decided that the credit was not right for you and you would not be able to keep up with the repayments.

      Hope this information helps


  9. Default Gravatar
    StevenSeptember 28, 2017

    Dear Expert,
    Please provide all calculations and the formula used to get my credit score.

    • Default Gravatar
      GruSeptember 29, 2017

      Hello Steven,

      finder is an Australian comparison website and general information service.
      ​While we do not represent any company we feature on our pages, we can offer you general advice

      Apologies, but your credit score is calculated by Equifax using the information on your credit file. You may possibly contact them directly to get an idea on how your credit score is computed. In the meantime, you may read details on this page to have a glimpse of the factors that are considered in calculating your credit score.


  10. Default Gravatar
    TiffanySeptember 25, 2017

    Just wondering how do I find out abt why I got the score I did even though it was excellent I’m curious to knw where I was lacking or I went wrong? What area or subject was I lacking or not do well , could I possibly get a higher credit score?

    • Staff
      JoanneSeptember 25, 2017Staff

      Hi Tiffany,

      Thanks for reaching out.
      Congrats on getting an Excellent score! Excellent score as per Equifax system is between 833-1200. Your credit score is displayed as a number and lenders apply it to their own lending criteria to determine your eligibility to borrow. The factors taken into consideration when calculating your credit score are discussed here.
      Should you feel the need to further improve your credit score, tips are discussed on this link.


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