Getting a free credit report

You might have credit reports with more than one credit reporting body . You can access those reports from each body for free once a year. You can also receive a free credit report if an application for credit was declined in the past three months.

The credit reporting body must provide your credit report within 10 days of your request for free. If you need your credit report earlier, the credit reporting body may charge you for this. 

Below are the names and contact details of the main credit reporting bodies in Australia.

Dun & Bradstreet (Check Your Credit)
PO Box 7405, St Kilda Road
Melbourne VIC 3004
1300 734 806
Experian Australia Credit Services
PO Box 1969
North Sydney NSW 2060
1300 784 134
PO Box 964
North Sydney NSW 2059
Tasmanian Collection Service
Tasmanian Collection Service
GPO Box 814H
Hobart TAS 7001
(03) 6213 5555

The first three credit reporting bodies listed above cover all states. If you live in Tasmania, you should also check with the Tasmanian Collection Service.

The privacy laws require your credit provider to tell you which credit reporting body they supply your information to when you apply for credit. It’s a good idea to keep track of these notifications so you know which credit reporting bodies hold credit reports about you.

If you can’t find the free credit report option on the credit reporting body’s website, call and ask them to direct you to the right section of their website. Under the Privacy (Credit Reporting) Code, a credit reporting body must take reasonable steps to ensure your free credit report is as easy to identify and access as if you were using its fee-based service. 

The credit reporting body may offer fee-based services, but it is important to know that you can always obtain your credit report for free. 

Information you need to provide to get your credit report

Before a credit reporting body sends you your credit report , they will ask you to provide information that identifies you. This can include:

  1. Identification
    • driver’s licence
    • passport
    • birth certificate (or Proof of Age card).
  2. Address and contact details
    • a document that has your name and address (for example, a rates notice, utility bill or bank statement)
    • your previous address(es)
    • a daytime telephone number.
  3. Other
    • details about your current or a previous employer
    • the name of an organisation you tried to obtain credit from 
    • your signature.