Check Your Credit Rating...For Free!

With your free credit report, you can check your credit rating, credit score & personal details. Complete our short form and get your credit report the next working day!

Get Free Credit Report

Check your credit file & get your FREE credit report online, no hidden costs & completely secure.

Fill out our free credit report form and you’ll receive your latest credit record with your credit score the next business day, without paying a cent.

It’s important to check your credit file is up to date & to see what your credit score is when applying for credit.

Step 1

Fill out our quick & secure online form.

Step 2

Securely submit your form, along with two forms of ID (for your security) and we’ll get busy retrieving your latest credit history.

Step 3

Receive your credit report from us the next working day! Easy…

What’s inside my Credit Report?

Your credit history holds personal and financial information. It includes your credit rating, which is used to measure your credit worthiness & shows your credit reputation when you apply for a loan. If you have ever applied for credit, you will have a credit file with a credit rating.

Your Credit File includes…

  • Personal Details
  • Employment Details
  • Credit Enquiries
  • Previous Credit Applications
  • Defaults
  • Court Writs & Summons
  • Bankruptcy
  • Part 9 Debt Agreements
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How do I get my Credit File?

It’s simple; you can get a copy of your credit record without having to pay. You can see your credit score, check if there are any inaccuracies and spot the early warning signs of identity theft. If you have applied for credit in the past and been declined, it’s a good idea to check what your credit file and credit score look like.

Looking for finance? We could help with…

  • Car Finance
  • Boat Finance
  • Equipment Finance
  • Mortgage
  • Personal Finance
  • Caravan Finance
  • Short-term/Payday Finance
  • Insurance
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What does my Credit Rating mean?

Your credit score is in your credit file. Equifax scores your credit report
out of -999 to 1200 and from here lenders are able to see which risk category you are in. If you have been declined for a loan in the past, it’s a good idea to check your credit score.

Your Score Explained…

  • Excellent: 833 to 1200
  • Very Good: 726 to 832
  • Good: 622 to 725
  • Average: 510 to 621
  • Below Average: 0 to 509
  • Current Bankrupt or Undischarged Part IX (Part 9) Debt Agreement: 0 to -999
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Simple, Easy & Secure…

We retrieve your credit history from the largest credit reporting body in Australia, Equifax and your information is securely encrypted by SSL certificate. We do not pass on information to 3rd parties without consent. You can read more about how we protect your information here.

Take control of your credit file with a copy of your latest credit recort for free. Don’t leave it to chance. Start with your free credit report today by taking 5 minutes to submit your details online using our secure form.

How We Can Help you…

We understand how important your credit file is, so that’s why we want to help. If you would like a copy of your credit report, we can get this for you, free of charge. We can help you to:

  • Get a copy of your credit history
  • Understand your credit rating
  • Catch Identity theft early
  • Check incorrect defaults & judgements

Credit Scores in Australia…

In Australia, knowing your credit score and what’s in your credit report is more important than you think.

When you apply for credit, your credit file will be one of the factors taken into consideration while a lender assess your affordability and suitability. A lender will complete a credit check on your file and score when you submit an application for credit. This includes applications for a:

  • Mortgage
  • Car Loan
  • Personal Loan
  • Credit Card

This is to see your credit reputation and measure your credit worthiness. Your credit score is one of the biggest influences during the loan approval process. We help thousands of Australian’s obtain their credit file, so get a copy of your free credit file and Free Credit Score Australia today.

In Australia the three main credit reporting bodies that hold this information, they are Equifax, Experian, Dun & Bradstreet.


One of the best sites to get a free credit report from is

There is a bright red button on the home page that says “get your free credit report”

Free credit report will not only give you your report for free, you will also get your credit score.

Allow 24 hours on weekdays and Close of Business Monday for weekend requests.

Generally your credit history goes back 5 years.

Information that includes previous address and file age go back to when the file was first created.

However court writs, bankruptcies and serious credit infringements go back seven years and where you have had a judgement and you have changed your address and not told the creditor, that may also extend past 5 years depending on the particular circumstances.

Credit scores are graded from -999 to +1200.
Excellent is 833-1200
Very Good is 726-832
Good is 622-725
It is a good idea to keep track of your credit score in case of possible identity theft.

I believe provide a comprehensive credit history and credit that is easy to follow. The good part is that the staff can also assist you if you have some credit issues. They can discuss what can be done.

Definitely a credit report that brings you below a good score (621 and below) can be an issue. Sometimes it is something as simple as an old electricity account. Generally the best advice is that if you have anything you haven’t paid, then pay it. That will help. If you are looking to get a loan and this is an issue. The staff at free credit report will assist you in what can be done.

There are numerous ways that a credit score can be impaired. There is no one answer except to pay anything outstanding first. If you feel something has been put on your score in error, then you need to contact the person/company involved and work through the issue and have it removed. It is also best to talk to the free credit report staff if you need a loan and this is affecting your ability to get one.

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