How to Check Your Credit Score in Australia (Free)

Where to Check Your Credit Score in Australia

Three main credit reporting agencies in Australia hold your file. You can request your report from each, for free.

• Equifax – the largest agency in Australia.
• Experian
• illion

A free credit score check is your legal right, and checking your own report does not affect your score at all.

For impartial guidance, the government’s ASIC MoneySmart explains credit scores plainly.

Why Checking Your Score Matters

Knowing your number before you apply for finance puts you in control.

It lets you fix errors, understand where you stand, and avoid nasty surprises when a lender pulls your file.

A quick free credit score check can also reveal mistakes on your report that are dragging your score down unfairly.

If your score needs work, our guide on the credit score you need for a home loan walks you through improving it.

How to Check and What to Do Next

It takes minutes. Here is the process.

1. Request your report free from Equifax, Experian or illion.

2. Check it carefully for errors, old debts or incorrect listings.

3. Dispute any mistakes directly with the agency, which is also free.

4. Take action to improve it, by paying on time and reducing debts.

If past credit issues are holding you back, our bad credit loan broker in Brisbane helps borrowers in exactly that spot.