How to Get a Free Credit Report in Australia

By the Aussie Credit Guide editorial team · Reviewed 5 October 2026

You have the right to a free copy of your credit report every three months. Moneysmart suggests checking it at least once a year, and before applying for a major loan.

Who holds your file

Credit reports are held by credit reporting bodies. Moneysmart names the two main ones:

• Equifax, phone 138 332.
• Experian, phone 1300 783 684.

illion, which is now part of Experian, has also held consumer credit files. Each body may hold slightly different information, so it is worth requesting a report from each.

How to request it

1. Go to the credit reporting body’s own website and find the free credit report request.
2. Provide identification, such as a driver licence or passport, and your current and previous addresses.
3. The report is provided free. Bodies may also sell paid subscriptions or faster delivery, which you don’t need for a free report.

You are also entitled to a free report if you have been refused credit in the last 90 days, or if information on your file has been corrected.

What to look for

• Accounts or applications you don’t recognise, which can be a sign of identity theft.
• Debts listed twice, or defaults listed for amounts you have paid or dispute.
• Wrong personal details, such as a misspelt name or an address you never lived at.
• Late payments recorded when you paid on time.

Fixing a mistake

Corrections are free. Contact the credit reporting body, or the credit provider that supplied the information, and explain what is wrong. They must investigate and respond, generally within 30 days. If the request is refused, you can complain to the Australian Financial Complaints Authority (AFCA) or the Office of the Australian Information Commissioner.

Accurate information can’t be removed just because it is unhelpful. A correctly listed default stays for five years even after it is paid, though the listing is updated to show it as paid.

Does checking hurt your score?

No. Requesting your own report is not a credit application and doesn’t affect your score. Applications for credit are what get recorded. See credit scores in Australia.

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