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Manage and protect your credit reputation with My Credit File

Manage and protect your credit reputation with My Credit File

Get your credit report and alerts to changes in your credit file from the leading provider of credit information in Australia.

View products & services Get started

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Protect yourself

from identity theft

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Be alerted

if your credit report changes*

*Alerts are a feature of the My Credit Alert product

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Apply for credit

with confidence

200 ,000+ people use My Credit File each year
to help protect and manage their
credit reputation

How we can help you

As Australia’s leading and most comprehensive credit information company, we provide you with the most complete record of your credit history. Find out what lenders see and better manage your credit reputation.

Personal Products & Services

My Credit Alert

Need your credit report now? Subscribe to My Credit Alert for:

  • Your credit report within minutes
  • See what banks and lenders see
  • Alerts to certain changes on your credit report for 12 months
  • Guard against identity theft

My Credit File

Don't need your credit report right away? You may be eligible for a free credit report*.

  • Dispatched within 10 days
  • See what banks and lenders see

*You have a right to obtain a free copy of your credit file from Equifax if your credit application was declined (your free credit file request must be made within 90 days from the date your application was declined), if you have lodged a correction request and have been advised that your file has been corrected, and once every 12 months.

Free Credit Repair

Have you found an error on your personal credit report? We will investigate it for FREE.

Business Products & Services

Business Credit File

Get insights into how lenders view your business when applying for credit.

  • Access to credit report in 1 business day
  • Know your business' credit history
  • See what your lenders and suppliers see

Business Credit Alert

Find out how lenders view your business and protect against fraud.

  • Access to credit report in 1 business day
  • Credit alerts for 12 months
  • Guard against credit fraud

Business Credit Repair

Is something not right on your business credit report? We will investigate it for FREE.

Did you know?


of Aussies expect a better deal based on their credit history

1 in 4

Australians claim to have been a victim of identity theft

20 million

credit active individuals are on the Equifax bureau


How to select the right credit card as a student/millennial

Signing up for a credit card can give you the financial freedom you need to be able to afford your desired purchases, but it’s crucial that you do the groundwork to ensure that you end up with the best product for you. Doing some background research and comparing your options can ensure that you make an informed decision.

3 mistakes to avoid when you're paying off debts

Have you got debt hanging over your head? Paying it off takes time and patience - don't rush it and make one of these dire mistakes.

Are you doing credit card management all wrong?

/ personal finance

Whether you need to fund an overseas trip, renovate your property, pay for school fees or just make ends meet, you’ll probably need to sign up for a credit card at some point in your life (if you haven’t already). 

What is a credit enquiry?

/ credit basics credit report

If you make an application for credit, it can be listed on your credit report as a 'credit enquiry'. Credit enquiries can have an impact on whether a lender accepts your application or not.

What is the role of a credit bureau?

/ credit basics credit report credit score personal finance

A credit bureau helps to support responsible lending and assists consumers in understanding where they stand with their credit. Operating under the Privacy Act, a credit bureau collects, holds, uses and discloses personal and credit-related information about individuals and companies.

Saving for your wedding with a bad credit report

/ credit report credit repair personal finance

Are you trying to save for a wedding but finding it tough due to bad debts hanging over your head? It'll pay to sort your finances before you set a date for the big day.