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Get a clearer understanding of your finances with a free copy of your credit report.


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Your credit report is a record of your loan applications, lines of applications and repayment history. This is what lenders use to decide if you're a good or bad candidate for a loan. If you want a clear understanding of your finances, you can order a copy of your credit report and score for free online.

You can use this guide to learn how to read your credit report and how you can improve your credit score.

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How can I receive a free credit report today?

There are a few different ways you can check your credit report. Finder offers a free credit report and credit score service, powered by Experian, that you can use to check your credit information in a few minutes. You'll receive updates every month and check it whenever you want in your finder dashboard.

If you prefer, you can also get your credit report directly from credit bureaus such as Experian and Equifax. These agencies are required to provide you with a copy of your credit report 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 report 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 report in the previous 12 months (you can view your report for free once every 12 months).

If you request your credit score through a credit bureau, you may need to pay a fee.

Guide to your credit report

What information is held on my credit report?

Credit reporting agencies specialise in collecting information about your credit history and compiling it into your credit report. 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. Your credit report includes information about the credit applications you've made in the past five years including what type of accounts they were, the dates they were opened and closed, credit limits and monthly repayment information.
  • Defaults. Any overdue debts or have missed payments on loans or utility bills will be listed on your report.
  • Public record information. This includes details on bankruptcies, court writs and judgements, personal insolvency agreements and other information held on the National Personal Insolvency Index (NPII) 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 report.

What credit reporting agencies can I order a copy of my credit report from?

There are a few credit reporting agencies that can give you access to your credit report and correct any incorrect listings. However, many of these will charge you a fee to access your report:

  • Experian Australia. This credit information provider can help you track and manage your financial information and correct errors in your credit report. You can check your Experian credit score and report here.
  • 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.
  • illion. Formerly Dun & Bradstreet, illion offers 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 credit report online or have it sent within a day or two via express post for just $30.

What information do I need to provide to receive my credit report?

The information you need to provide will differ with each credit reporting bureau. Generally, you will need the following:

  • Your full name and date of birth
  • Your driver's licence number
  • Two forms of identification (such as 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 report?

It's wise to check your credit score yearly so that you can get a clear understanding of your finances before you apply for any loans or credit cards. You should check your report to ensure that the personal information listed (such as your current address and employment information) is correct. You should also regularly check your credit report so that you can identify and fix any incorrect listings that could potentially negatively impact your credit score.

Frequently asked questions

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110 Responses

    Default Gravatar
    GregoryDecember 13, 2018

    Nothing comes up on my file. Yet I have a Telstra account for many years and a Vodafone account for many years as well plus an origin gas account and I always pay them on time.

      Avatarfinder Customer Care
      JhezDecember 15, 2018Staff

      Hello Gregory,

      Thank you for your comment.

      Sorry to hear that nothing comes up on your file. If you have held utility accounts, it may mean that the company has not sent the details of these accounts to the credit bureau. Another reason is that you may not have updated your details yet with Experian, the credit reporting bureau finder gets your score from. You may contact Experian directly and update your details.

      Should you wish to have real-time answers to your questions, try our chat box on the lower right corner of our page.


    Default Gravatar
    AbdullahDecember 9, 2018

    Hello, I want my free credit check for home loan, can’t do this online as the system can’t verify my identity. Pls help

      Avatarfinder Customer Care
      JohnDecember 12, 2018Staff


      Thank you for reaching out to finder.

      We can use your Australian Driver’s Licence or Passport to verify your identity. If you do not have either of these forms of ID, or the ID check is failing after you enter the correct details, you may go to Experian directly to retrieve your credit report. Hope this helps!


    Default Gravatar
    YongOctober 26, 2018

    I don’t understand that it’s not recognized even I filled in driver’s license number correctly.
    so should I need to put in license number or card number?

      Avatarfinder Customer Care
      JohnOctober 27, 2018Staff

      Hi Yong,

      Thank you for leaving a question.

      For security reasons, you only have 2 attempts at verifying your ID. With your driver’s licence, you must enter the licence number (not the card number).
      Hope this helps!


    Default Gravatar
    HeidiOctober 14, 2018

    Im 38 years old. I work part time and get centrelink benefits and I also own my home outright no mortgage. have a credit score of 493. I was was wanting to get a loan of $10,000 and use my home as collateral/ guarantee.

      Avatarfinder Customer Care
      JohnOctober 15, 2018Staff

      Hi Heidi,

      Thank you for leaving a question.

      You may want to visit this page to learn more about line of credit loans. A line of credit, also called an “LOC” or home equity loan, allows you to borrow money using the equity in your property. Kindly review and compare your options on the table displaying the available providers. Once you have chosen a particular provider, you may then click on the “Go to site” or “Enquire now” button and you will be redirected to the provider’s website where you can proceed with the application or get in touch with their representatives for further inquiries you may have. Hope this helps!


    Default Gravatar
    EsrahMay 7, 2018

    Why is my credit score so low?

      Default Gravatar
      NikkiMay 7, 2018

      Hi Esrah,

      Thanks for your message and for visiting finder – the leading comparison website & general information service built to give you advice in your buying decision needs.

      Your credit score is determined by the information that’s included in your credit report.

      Your personal information. Your age, how long you’ve been employed and the time you’ve been at your current address is used to calculate your risk.
      Age of your credit report. The length of time your credit report has been active has a direct effect on your credit score.
      Type of credit providers. The type of credit providers you’ve applied for and held accounts with will also impact your score. For instance, if you’ve held an account with a bank it will carry a different level of risk than a store finance provider.
      What credit you’ve held and the credit limit. Your score will largely be determined by the risk associated with the type of credit requested in your loan application. The credit limit or loan amount you request will also determine your credit risk index and affect your final score.
      The number of credit enquiries listed on your file. Any time you make an application for a loan, credit card or utility account, it will be added to your credit file. Frequent applications for credit raise your risk index and lower your credit score.
      The pattern of your credit enquiries and shopping over time. Many credit enquiries within a short period of time may be a red flag to lenders. Defaults and other serious infringements in your credit history also affect your score negatively.
      Default information. If you have overdue debts, serious credit infringements or clearouts it will negatively impact your credit score.
      Court writs and judgements. Any listing indicating a court writ or default judgement will decrease your credit score as it’s an indicator of increased risk.

      It’s important to monitor your credit score and you can do that by checking every 6 months. For more information on how to improve your credit score, check this page.

      Hope this helps! Feel free to message us anytime should you have further questions.


    Default Gravatar
    AbbieMay 1, 2018

    Hello just wondering is there any way of getting a credit card to consolidate all of my debts? I have been knocked back time after time because of a below average credit file :( this is due to having very high fees and defaulting on my loans also applying for the wrong type of loan which has left me struggling to keep up with. The last loan I was approved for in total will cost me 7000 + and the amount I applied for was $4000 big mistake :( I just need my loans consolidated into one repayment but not sure which direction to take hope to here from you soon :)

      Default Gravatar
      NikkiMay 1, 2018

      Hi Abbie,

      Thanks for your message and for visiting finder – the leading comparison website & general information service built to give you advice in your buying decision needs.

      To answer your questions:

      is there any way of getting a credit card to consolidate all of my debts?

      Yes, there is definitely a way. Debt consolidation is one way to manage repayments and reduce debt if you have more than one account you’re paying interest on. By moving all your separate balances into the one account you can start reducing your debt by paying one monthly repayment instead of several. While many lenders require you to have a good credit history to take out one of these loans, there are lenders out there who will approve debt consolidation loans for those with bad credit. For more information, you may view this page.

      I have been knocked back time after time because of a below average credit file :( this is due to having very high fees and defaulting on my loans also applying for the wrong type of loan which has left me struggling to keep up with.

      It’s important to make sure that you meet the eligibility requirements and check the fees underlying the loans / credit cards when you apply. A simple inquiry or application (approved or denied) will affect your credit score.

      Hope this helps! Feel free to message us anytime should you have further questions.

      Best regards,


    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

      Avatarfinder Customer Care
      JhezApril 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.


    Default Gravatar
    ShirleyApril 2, 2018

    How do I order my credit file? Thank you.

      Default Gravatar
      NikkiApril 2, 2018

      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!



    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

      Avatarfinder Customer Care
      DeeMarch 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.


    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

      Avatarfinder Customer Care
      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.


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