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.
Get your free credit report

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.

Get your free credit score instantly

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.

Was this content helpful to you? No  Yes

Related Posts

Ask an Expert

You are about to post a question on finder.com.au:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com.au 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, read the PDS or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms and Conditions and Privacy Policy.

56 Responses

  1. 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.

      Cheers,
      Joanne

  2. Default Gravatar
    GlennSeptember 12, 2017

    I need a copy of my credit report for the Ndis agency under section 298 of the disability act of 1970

    • Staff
      RenchSeptember 13, 2017Staff

      Hi Glenn,

      Thanks for reaching out to us.

      You may get a free credit score from our page by entering details from a valid Australian driver’s licence.

      You may also request a credit file/report from Equifax directly by clicking on ‘Get your free credit report’ from this page. You can use your Medicare card or Passport if you don’t have an Australian driver’s licence.

      Hope this information helped.

      Cheers,
      Rench

  3. Default Gravatar
    ElenaSeptember 4, 2017

    Hi have a debt of $45,000 how can I pay it off .. It’s cost so much to pay it off per month

    • Staff
      JonathanSeptember 4, 2017Staff

      Hello Elena,

      Thank you for your question.

      We understand that debt can be a burden to your finances. You may consider applying for a balance transfer to credit card to leverage on the 0% promotional offer. A long-term balance transfer may offer you up to 24 months 0% interest, which can save hundreds or thousands of fees.

      Another option is to apply for a refinancing personal loan to get better rates than on your existing one. You may also transfer if it’s a credit card debt to a personal loan for potential cheaper repayments.

      Hope this helps.

      Cheers,
      Jonathan

  4. Default Gravatar
    KeithAugust 17, 2017

    Why is my credit score so low i have never not paid any bills and aways paidout any past credit cards i have had i work fulltime $50000p.a.

    • Staff
      JhezelynAugust 17, 2017Staff

      Hi Keith,

      Thanks for your comment.

      I understand the importance of credit score. Through a credit report, you’ll understand how you got a certain score. You may get your free credit report by clicking the “Get your free credit report” button above. It 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.

      Regards,
      Jhezelyn

  5. Default Gravatar
    PeterAugust 9, 2017

    Want to see my credit report please send to my email asap thanks

    • Staff
      ArnoldAugust 9, 2017Staff

      Hi Peter,

      Thanks for your inquiry.

      You may order your credit report online through Equifax/Veda. Upon arriving at the page please click the ‘Go to Equifax site’ button and you will be redirected to their site and start the process of getting your report. Please be reminded that the report will be sent to you within 10 business days.

      Hope this information helped.

      Cheers,
      Arnold

  6. Default Gravatar
    dougAugust 6, 2017

    my wife and I are pensioners and have a Westpac credit card ( over 20 years) credit limit $17000 we pay all bills and living exes at the end of each month we have tried to get amore low interest and benefits credit from others ie banks retail outlets but they do not seem to want any one on a pensioner income we have an excellent credit history but because of our pensioner status we are quickly rejected.

    • Staff
      AnndyAugust 6, 2017Staff

      Hi Doug,

      Thanks for reaching out.

      You may want to check this page to compare banks that may consider pensioners for a credit card

      Cheers,
      Anndy

  7. Default Gravatar
    PeterJuly 25, 2017

    On the 3/9/2014 I had a Excellent Score of 974 , on the 7/3/2017 I had a Score of 892
    now you rate my Score @ of low 632 . Why I have absolutely no debt other than my Monthly Nab Credit card which is paid in full each and every month , I’ve never paid interest ever on my card , no Finance Contracts , only my Fortnightly Rent which is paid by Direct Debit , never been late ever! so why has my Credit Rating changed ?

    • Staff
      JonathanJuly 25, 2017Staff

      Hello Peter,

      Thank you for your inquiry today.

      Please take note that generally, there are several factors affecting credit score:
      – Overdue debts
      – Type of Lenders
      – Type of Credit Requested
      – Credit Inquiries on Credit Applications

      The score we receive is being transmitted through a secure server from Veda/Equifax. You may verify with them directly to know how these scores were calculated. Alternatively, you may also order a “Free Credit Report” to have a general summary of your credit health.

      Hope this helps.

      Cheers,
      Jonathan

  8. 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

  9. Default Gravatar
    StevenJuly 6, 2017

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

  10. 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

Ask a question
feedback