Free credit report (takes up to 10 days)

Information verified correct on May 26th, 2017

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'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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My Credit Alert

Order a copy of your credit file

Receive email alerts whenever specific changes occur on your credit file for 12 months. You also receive a copy of your credit file despatched within one working day.

Receive your credit file with information on:

  • Details of consumer credit enquiries
  • Details of overdue consumer credit accounts
  • Commercial credit enquiries
  • Details of overdue commercial credit accounts
  • Bankruptcy & Court Judgements
  • Writs & Summons
  • Information on your current relationship with a credit provider
  • $79.95 p.a. annual fee

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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22 Responses to Free credit report (takes up to 10 days)

  1. Default Gravatar
    pppp | April 18, 2017

    if i dont have driver license
    wat can be its option and i tried it once but says if i made a mistake can check my score for 6 month ?

    • Staff
      Anndy | April 18, 2017

      Hi Letters,

      Thanks for your question.

      If you don’t have a DL, you may request a free credit report directly from Equifax through this page.


  2. Default Gravatar
    Graeme | April 10, 2017

    How do you order a Free Credit File Report – It seems a very elongated process and difficult to access?

    • Staff
      Liezl | April 10, 2017

      Hi Gsalcock,

      Thanks for your question.

      You can order your free credit report from this page.

      Best regards,

  3. Default Gravatar
    Kaliopi | January 19, 2017

    How do I correct wrong information affecting ie duplication, victimized when applying through internet shouldn’t go against my credit score 17 times

    • Staff
      May | January 19, 2017

      Hi Kaliopi,

      Thanks for your question.

      If there are any incorrect or duplicate listings on your credit file, you’d be best to get in touch with the credit reporting agency to have the listings removed. Also, you can contact the credit provider directly who may be able to deal with the listing.


  4. Default Gravatar
    Amit | November 8, 2016

    I checked my credit score from your site and compared it with and there was a difference of 173 points.

    How is it possible if it is coming from same source?


    • Staff
      Harold | November 8, 2016

      Hello Amit,

      Basically, our credit score reference is from Veda. For further verification you may want to visit their website to check your credit score.

      I hope that helps.


  5. Default Gravatar
    Amit | November 8, 2016

    I checked my credit score online from your site and compared it with one reported by (By passing exactly same parameters)

    I was expecting both these scores to be same, but surprisingly there is a difference of 173 points.

    How is it possible, if it is coming from the same source?


    • Staff
      Chester | November 8, 2016

      Hello Amit!

      Thanks for your question.

      The credit score reported by finder is a comprehensive score that considers more data than other providers. Other providers may be using older scoring approach that only considers negative reports so their reports will be different until they transition to the current approach.


  6. Default Gravatar
    Sese | May 10, 2016


    My husband and I were debating on whether your name automatically goes under a bad credit rating if you apply for a loan to consolidate your debts. To date we have been up to date with payments and have never received a default notice, however we are starting to struggle a little. He reckons once your credit card is paid off through consolidation, it straightaway affects your credit rating.


    • Staff
      Elizabeth | May 10, 2016

      Hi Sese,

      Thanks for your question.

      This depends on what type of debt consolidation loan you applied for. If you applied for a standard personal loan, debt consolidation loan or balance transfer credit card from a bank or credit union, then you will not get a bad credit rating unless you default on that account. If you fall behind on your repayments I recommend you calling your provider to work out a payment plan to avoid this.

      If you enter into a debt agreement this will be listed on your credit file as it is a form of bankruptcy. A debt agreement, also known as a Part 9, is where the debt agreement agency will freeze your debts so they can’t go further into arrears and will enter into negotiations with lenders on your behalf. This isn’t technically a default listing but it may affect your ability to access credit during the five years it is listed on your file.

      I hope this information has helped,


  7. Default Gravatar
    jeff | November 29, 2015

    Hi I have 3 children 11-5-2 I am on family tax benefit A – B I receive $1100 per fn I am looking for $10000 loan over 4 years can pay up to $100 per week max would prefer a cheaper rate who can approve me asap please

    • Staff
      Elizabeth | November 30, 2015

      Hi Jeff,

      Thanks for your question.

      I am unable to recommend a specific lender to you but you can compare lenders we have available on our site offering loans up to $10,000 on this page. Click the links to head the review pages for the lenders to review the eligibility criteria, and when you’ve found a loan you want to apply for and are eligible for, click “Go to Site” to submit your application.

      I hope this will help.



  8. Default Gravatar
    danielle | July 18, 2015

    Credit history

    • Staff
      Sally | July 20, 2015

      Hi Danielle,

      Thanks for your comment.

      I’m not quite sure what your enquiry is, but some of these pages on how the importance of your credit history and how to improve your credit rating.

      I hope this has helped.



  9. Default Gravatar
    Anonymous | April 3, 2015


    A friend of mine has defaulted debt.
    Will the act of giving personal information such as current address and other current details in the application for a credit report trigger approaches by credit or legal institutions with regard to these defaults?

    • Staff
      Shirley | April 7, 2015

      Hi Anonymous,

      Thanks for your question.

      This question is best directed to the organisation that you request your credit history from.

      Generally, by law, they are not allowed to pass on any personal information without your consent.


  10. Default Gravatar
    Anonymous | March 5, 2015


    A friend of mine left a credit card debt in 2006 in australia. he moved out of the country. Now in 2015 he is going back to australia.
    In 2006 he had a different passport number and now that he renewed his passport his new passport number has also changed.
    I want to know what will be shown in his credit file now? When he will applying for a lease or something that requires a credit check.
    How does the statutory limitation law applies in this case.

    • Staff
      Shirley | March 5, 2015

      Hi Anonymous,

      Thanks for your question.

      This all depends on the type of data. For example, information including your name, date of birth, gender, residential address and driver’s licence are all held in a credit report.

      For a credit card debt that hasn’t been paid, such as your friend’s, these tend to stay for a period of up to five years. Depending on the seriousness of the debt and if the credit card provider had taken legal action, these could stay up to seven years. If the debt hasn’t been paid back, this is also noted on your credit file.

      In regards to the statutory limitation, you will need to speak to your trusted legal professional.


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