Getting a copy of your credit report

An individual has the right to obtain one free copy of their credit report from any credit-reporting body every three months (Privacy Act s 20R; CR Code).

The credit-reporting body is required to provide the person with their credit report within 10 days of the request (CR Code s 19).

To obtain a free copy of their credit report, an individual needs to provide information to verify their identity to the particular credit-reporting body.

To get a free copy of your credit report from:

• Equifax, submit an online request form at www.mycreditfile.com.au;

• Experian, email the information detailed at www.experian.com.au/credit-services/credit-reports/order-credit-report.html; and

• Illion, complete the online form or download an application form from www.creditcheck.illion.com.au.

Under the recent legislative amendments – the NCCP Act and NCCP Regulations – an individual’s credit report (that is sent to that individual) includes:

• the individual’s credit rating;

• the information used by the credit-reporting body to derive the individual’s credit rating; and

• how the individual’s credit information was used to determine their credit rating and how the individual’s credit rating relates to other ratings.

Getting a copy of your credit report

Chapter: 5.9: Credit reporting

Contributor: Stephen Nowicki, Director of Legal Practice, Consumer Action Law Centre

Current as of: 1 September 2024

Law Handbook Page: 402

Next Section: How information on a credit report is used