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My Credit File

My Credit File

Discover your credit history with your credit report from Equifax, a leading Australian credit bureau

Get your FREE Equifax credit report

Upgrade to a My Credit Alert subscription for ongoing credit monitoring

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 (check if you are eligible).

You can order your report online, call 13 8332, or mail your request to us at GPO Box 964, North Sydney, NSW 2059.

Features & benefits

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    Find out what is on your Equifax 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.

     

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    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.

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    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.

Upgrade to My Credit Alert and receive

  • 12 months of credit alerts

    Know when certain changes occur on your credit file for 12 months

  • Annual subscription

    Ongoing credit monitoring plus your credit report each year.

Upgrade by subscribing now

Find out more

Ready to get started?
Order your free credit file now

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Order now