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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98 Responses

  1. Default Gravatar
    TraceyApril 23, 2018

    I am wondering how credible this is as I am a 47 yr old lady have had two mortgages and multiple loans over my life time never so much as missed s payment ever in face pay most of my bills off early or weekly rather than wait yet I’ve got an incredibly low score how can this be I’m also a regularly saver have accounts with over 6000 dollars in

    • Staff
      JhezelynApril 24, 2018Staff

      Hello Tracey,

      Thank you for your comment.

      So you would understand why you got a certain score, you’re advised to request a free credit report. It may take up to 10 days for you to receive this.


  2. Default Gravatar
    ShirleyApril 2, 2018

    How do I order my credit file? Thank you.

    • Staff
      NikkiApril 2, 2018Staff

      Hi Shirley!

      Thanks for your questions and for visiting finder – the leading comparison website & general information service built to give you advice on your buying decision needs. How are you doing today?

      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 order a free copy once a year or if you’ve been recently refused credit. You also have the option of signing up for a credit monitoring service or buying a one-off credit report.

      You can get your credit file from any one of the three main credit report agencies; Equifax, Dun & Bradstreet or Experian. If you need your file sent urgently you will need to pay a fee, otherwise you can have it delivered to you for free within ten working days.

      Hope this helps!



  3. Default Gravatar
    LisaMarch 25, 2018

    My credits score is really bad. I don’t get why I pay things on time. Not sure why it is so low

    • Staff
      LouMarch 25, 2018Staff

      Hi Lisa,

      Thanks for your question.

      If you like to understand why your credit score is low, you may consider requesting a free credit report through this page. Your credit report contains a list of enquiry, default and other items that affect your credit score.

      If you find any erroneous entry in your report, you may directly contact Equifax and request to have that entry removed.

      To help you improve your credit score, you may check our guide on this page.

      I hope this helps.


  4. Default Gravatar
    MasudMarch 19, 2018

    Hi, im just wondering, how accurate and extensive is the credit score done by you guys?

    My credit score says 789 and im wondering if thats legitimately MY credit score and if any lending companies were to look it up this figure would also come up on veda would it?

    Thank you

    • Staff
      JoanneMarch 24, 2018Staff

      Hi Masud,

      Thanks for reaching out.

      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. Lastly, the credit score used by lenders would vary between lenders or banks.


  5. Default Gravatar
    RyanMarch 16, 2018

    Can someone please contact me and let me know what I can do to enable myself to get rid of defaults?

  6. Default Gravatar
    ChloeMarch 14, 2018

    Can someone help me out? Trying to figure how to order my credit file, (I’ve done the credit check) but this site keeps sending me in circles

    • Staff
      RenchMarch 20, 2018Staff

      Hi Chloe,

      Thanks for reaching out to us.

      For you to get a free credit report, you may click on ‘Get your free credit report’ button on this page. This will direct you to Equifax official site and you can order your credit report from there. This will be dispatched to you within 10 days.

      Best regards,

  7. Default Gravatar
    AngelaMarch 9, 2018

    I think someone else has been using my details to apply for credit cards, I was declined a credit card application it said I had applied for other cards. How do I get this information,I only have one credit card and was only going to change from that to another.

    • Staff
      JhezelynMarch 10, 2018Staff

      Hi Angela,

      Thank you for your comment.

      Getting your credit report will help you track the record of your loan applications and repayment history. It will also let you check incorrect personal information and incorrect defaults. You may request by clicking the green button above. Please note that it may take around 10 working days to get a copy of your credit report.

      If you see some defaults, black marks and incorrect information on your credit file, here’s a guide on how you can remove these details.


  8. Default Gravatar
    MajidFebruary 21, 2018

    When repair my credit score?

    • Staff
      JonathanFebruary 21, 2018Staff

      Hi Majid, thanks for your inquiry.

      Credit repair companies can be useful, especially when you are struggling to improve your credit score. Please see this page to learn more about credit repair companies.



  9. Default Gravatar
    NatashaJanuary 24, 2018

    Hi how long does a default stay on ur credit file?

    • Staff
      JonathanFebruary 21, 2018Staff

      Hi Natasha, defaults will generally remain on your file for five years.



  10. Default Gravatar
    DanielJanuary 17, 2018

    I owe nothing to no one or business, zero,I’ve paid all loans back three my life,I rent now with 100% on time repayments for two years with Barry plant in rosebud 3939 I need a loan to strive at work for,know I’m working for a cause of my own to pay loan off,and support my family,being the provider

    • Staff
      RenchJanuary 19, 2018Staff

      Hi Daniel,

      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.

      You may request a detailed credit report on this page through Equifax and check how you got your current credit score.

      While on this page, you can make use of our loan calculator for info on how much you can borrow and what will be the repayments. You may compare personal loans on this page.

      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,

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