How to get your credit report free of charge

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There are certain circumstances under which you can get a copy of your credit report for free.

  • You can request a copy where a credit application was declined. You must apply within 90 days of the date you were declined
  • You can request a copy if you have lodged a correction request and been advised that information on your file has been corrected
  • You can request a copy once every 12 months

If you request a free copy of your credit report because you have been declined for credit, you might be asked to supply a copy of this decline notice with your application.

To obtain a free copy of your credit file, despatched to you within ten days, please complete the Veda Free Credit Report Form.

IMPORTANT NOTE: The Apply for My Credit File form includes Step 2 as "Make Payment". No payment is required.$0.00 will be displayed and you will not be asked for your credit card details.

If the information on your credit report needs updating please refer to Updating information on your credit report

Please note, if the information you have provided does not sufficiently meet our security requirements, you may be contacted by Veda and asked to provide documentation to verify your identity. This may affect the timeframe in which you receive your report.

Send your request and proof of identity to:

Veda Public Access

PO Box 964 North Sydney NSW 2059

This free service is for personal records only.

Express Service

Should you wish to receive your credit file sooner, an express delivery service is offered for $69.95 and will be sent to you within one business day.

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