Getting a copy of your credit report

You have the right to obtain one free copy of your credit report from any credit-reporting body every 12 months (s 20R PA 1988; s 19 Privacy Code).

In addition, you can obtain one free copy of your credit report within 90 days of being refused a credit application (s 19.2 Privacy Code), or if the purpose of requesting the credit report is to check that information on it has been corrected (s 20.7 Privacy Code). The credit-reporting body is required to provide you with your credit report within 10 days of your request (s 19 Privacy Code).

To obtain a free copy of your credit report, you need to provide information to verify your identity to the particular credit-reporting body.

To get a free copy of your credit report from Experian, submit the information detailed at www.experian.com.au/credit-services/credit-reports/order-credit-report.html by email.

To get a free copy of your credit report from Dunn & Bradstreet, complete their online form, or download an application form from their website.

To get a free copy of your credit report from Equifax (previously called Veda Advantage), submit an online request fo