Free credit report Australia

In Australia, everyone has the right to one free credit report every three months from each of the 2 main credit reporting bodies.

Your credit report now also includes a credit rating, which is an indication of the 'band' that the credit score sits in (e.g. 'below average', 'average', 'good' etc).

Checking your credit report does not lower your credit score. In contrast, getting a copy can help you prepare credit applications, organise your finances, and identify errors or potential issues early.

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How do I get a free copy of my credit report?

It’s an easy process. Click the button, decide which credit reporting body you want to use and compare, and remember that you don’t have to pay.

Here is a step-by-step guide:

View credit reporting bodies contact details

1. Choose a credit reporting body

There are two main credit reporting bodies in Australia: Equifax and Experian.

It is a good idea to request your credit report from each of them, because they may not all hold the same information.

2. Have your ID details ready

Gather the required documents to verify your identity.

3. Submit your request

Some providers let you order online, while others also offer phone, post, or email options.

4. Wait for your report

You should receive your report within 10 days, although some online requests are processed instantly or within a few days.

5. Review it carefully

Check your personal details, credit accounts, repayment history, credit enquiries, and anything else that looks unfamiliar or incorrect.

If something does not look right, act quickly to have it checked and corrected.

How to fix errors in your credit report

Checking your credit report: This is what you’ll find.

If you want to know every single detail about this topic, you’ll find the information on this page What’s in a credit report? In short, your credit report can include:

Personal details used to identify you.
Current and some previous credit accounts.
Credit enquiries and applications (for the last 5 years).
Repayment History Information (RHI).
Defaults and other negative outcomes, where applicable.
Public record information in relevant cases, such as bankruptcies, court judgments, etc.
Credit score or rating information, depending on the credit reporting body

For further information and to address any queries you may have, this Credit Report Summary is very helpful.

Keeping your credit report and credit score secure

The credit reporting bodies are under strict obligations to keep your information secure, so you’ll be asked to provide information to identify yourself, usually a driver’s licence or something similar.

If you have already made an application for credit but were refused, you also have a right to get a free copy of your credit report within 90 days of being refused. The credit provider should let you know how to get a copy of your report if this happens.

Paying for credit reports

Some credit reporting bodies also offer paid products or monitoring services. These extra services may be useful for some people, but they are separate from your right to request a free credit report every 3 months.

If you're not eligible for a free credit report you can pay a small fee to access it. The different reporting bodies have different options and tools for keeping track of your credit position.

View credit reporting bodies contact details

In short, when it comes to free credit reports, here’s what you should always keep in mind

	Get a copy before you apply to borrow money or buy something on credit.
	This will let you know whether there's something on your report that will make it harder for you to borrow.
	There are two main business that hold credit reports. They're known as "credit reporting bodies".
	It's good to get a copy of your credit report from each of those businesses; some credit providers may only use one or two of the businesses and you'll want to make sure you see all the information that they have about you.
	Checking your own credit report has no impact on your credit report score when view by a credit provider.

View credit report summary

FAQ

Why can I get a free credit report every 3 months?

In Australia, you’re legally entitled to request a free credit report every 3 months from each credit reporting body. This allows you to regularly check that your information is accurate, up to date, and secure.

This makes it easier to spot mistakes or outdated information that could impact your finances.

Is it better to request from both credit reporting bodies?

Usually, yes. The two main reporting bodies may not hold exactly the same information about you, and lenders may use only one of them when assessing applications.

What happens if I find a mistake on my credit report?

If you notice an error in your file, request a correction immediately from the credit reporting body or your lender. They must investigate and reply, usually within 30 days.

Can “Buy Now, Pay Later” affect my credit report?

Yes. Some Buy Now, Pay Later (BNPL) providers in Australia may report your activity to credit reporting bodies or perform credit checks. Depending on the provider, missed payments could affect your credit report.

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