Contact a credit reporting agency
You can get a copy of your credit report by contacting any of the credit reporting agencies listed below. The information in it may vary depending on the agency. It's a good idea to start with the largest, Equifax.
Be aware that if you request your credit report, your current contact details will then become available to any lenders, creditors or debt collectors who check your report.
Equifax (formerly Veda Advantage)
Complete the online form at www.mycreditfile.com.au or follow the steps on the website, or write to Equifax.
Illion (formerly Dun & Bradstreet)
Complete the online form called 'Application for personal credit report' at www.checkyourcredit.com.au and tick the box marked ‘standard service’, or call Illion and request an application form.
Experian Credit Services Australia
Refer to www.experian.com.au/credit-services/credit-reports/order-credit-report.html
Free or paid for?
You're entitled to a free copy of your credit report once a year, or more often if you ask within 90 days of being refused credit.
Your credit report must arrive within 10 days.
You may be charged for your credit report only if:
- you've already had a report from the same credit reporting agency in the last 12 months
- you ask for your report to be sent to you sooner than 10 working days. There's usually no point paying, since it almost always takes (at least) weeks to fix it if there's an error.
Charges must not be excessive (usually should be no more than administration and postage costs).