Find 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)
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.
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.