With your own personal copy of your credit report you can see what lenders and other credit providers like phone and utilities companies can check when you make an application.
Your free credit report is a great place to start. Simply enter some personal information and you will receive your free credit report within ten days (check if you are eligible).
Features & benefits
See what banks and other credit providers see
Find out what is on your credit report before you apply for credit
Not all credit reports are the same. Your Equifax credit report will likely provide you with the most complete view of your credit history in Australia. This is important as it is what lenders like banks, as well as telephone, electricity and gas companies can refer to when you make an application for a loan, credit card, mortgage or contract for a phone or electricity. Getting your up to date Equifax credit report means there are no surprises for you when you apply.
Been declined credit?
Find out why you have been declined
With a copy of your own personal credit report you can see past applications you have made for credit, your repayment history (subject to your lender providing this information to Equifax) as well as overdue debts that you have been listed as a default for. You can also check if this information is accurate, and if not, Equifax can investigate any inaccuracies for free.
Improve your credit reputation
It is one of your biggest assets
By understanding what is on your credit report you can work to improve it over time as it can possibly help you save money by getting a better deal. Your credit score is also calculated based on information on your credit report. Knowing what is on your credit report can also help you better understand your credit score.