You can get a free copy of your consumer credit report every three months, or in excess of that under certain circumstances.

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You can get a free copy of your consumer credit report once every 3 months. You can also request that your free credit report include your credit score.

Your credit score is calculated based on what’s in your credit report for example, the amount of money you’ve borrowed, the number of credit applications you’ve made, whether you pay on time and so on.

It’s worth getting a copy of your free credit report and credit score at least once a year to check it is correct.

This page explains how you can access your credit report, the difference between a free and a paid report and how to check your report. It also warns about scams to watch out for.

Follow these steps to get your credit score and report for free


Contact a credit reporting agency

You might have a credit report and credit score created by more than one credit reporting agency.  You can get a copy of your free credit report and credit score for free every 3 months by contacting any or all of the credit reporting agencies listed below. The information in the credit report may vary depending on the agency. It’s a good idea to start with the largest agency which is 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.

Complete the online form here or call Equifax on 13 83 32.

Complete the online form here or call Illion on 13 23 33.

Complete the online form here or call Experian on 1300 783 684


You have the right to obtain a free copy of your credit report and credit score once every 3 months, or more often if your credit application was declined, (the request must be made within 90 days from the date your application was declined), or if you lodged a correction request and have been advised that your credit report has been corrected.

You can usually access your report online within a day or two.  If you request to receive your report by email or mail then it 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 past 3 months and you have not been declined credit or needed an error to be fixed.
  • you sign up and subscribe to a paid monthly subscription plan with the credit reporting agency.


Check the information on your credit report

Check the information listed below, which is likely to affect your ability to get credit:

  • defaults (where you were more than 60 days overdue and two different notices were sent to you)
  • serious credit infringements (where you are in default and the lender cannot find you)
  • court judgments
  • bankruptcy or Part IX Debt Agreements
  • loan applications (particularly if there are many)
  • repayment history information (information about any payments you missed)

Also check that all the personal information listed on your report is correct.

If you want to dispute the information in your report, continue to the next step.


Be wary of ‘credit repair’, ‘credit fix’ or ‘debt solution’ companies that say they can ‘improve’ your credit report. They usually charge large fees for services you can do for free.

  • don’t search for ‘credit reporting agencies’ over the internet, as you may find fake sites offering ‘free credit reports’ that are really out to scam you
  • never follow an email link or respond to an unsolicited email offering a free credit report – delete it. It’s likely to be a scam to trick you into providing your personal information
  • if a business offers you a free credit report, they shouldn’t need your credit card details. Don’t provide them unless you understand why they’re being asked for.

Be aware that accurate, up-to-date and complete information within its retention period generally can’t be removed from your consumer credit report.


Fix the information in your report

Credit reporting agencies are required by law to make sure information on your credit report is accurate, up to date and complete. If something is incorrect in yours, you can ask for it to be corrected.

Refer to Fix your credit report.

Understanding your credit report

What information is kept in my credit report?

The Office of the Australian Information Commissioner publishes a complete list of what information can be included in your credit report.

Below is a summary of the information in a credit report:

  • personal details such as your name, date of birth, current and previous addresses, driver licence number and employer details
  • information about applications you’ve made for credit (including mobile phones, and gas and electricity accounts) during the past five years
  • default listings where a payment is more than 60 days late and the required notices have been given (kept for five years)
  • details about any court orders against you, including bankruptcy orders
  • details about credit applications and unpaid debts (kept for five years)
  • details about serious credit infringements, such as a payment default coupled with a failure to provide a creditor with your current contact details (kept for seven years)
  • repayment history covering late payments for loans (with the exception of buy now pay later, telecommunications and energy debts, who can’t list this repayment history information even though they can list defaults)
  • loan account details, including: date opened and closed, type and credit limit.

Who can add information?

Banks and finance companies, or other businesses that provide credit or goods and services at least 7 days before you have to pay for them. Electricity and phone companies can also list information on your credit report.

When will the information be deleted?

Different types of information can be held in your consumer credit report for different periods of time.
The Office of the Australian Information Commissioner publishes a complete list of when information will be deleted.

What if I am a victim of fraud?

If you’re concerned about being the victim of fraud (including identity fraud), you can make a request to a credit reporting body not to disclose the personal information in your credit report by placing a ban on your credit file.  The Office of the Australian Information Commissioner publishes more information about fraud and your credit report.

Are requests for hardship assistance included?

No. The provider can’t disclose the fact that you’ve made a hardship application. The Office of the Australian Information Commissioner publishes more information about hardship assistance and your credit report. However, new laws were passed in 2021, that come into effect on 1 July 2022, which set out how Financial Hardship Information is recorded on hardship arrangements entered into on or after 1 July 2022. Financial Hardship information will stay on a credit report for twelve months. Financial Hardship Information will not be included in a credit score.