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 CR 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 CR Code), or if the purpose of requesting the credit report is to check that information on it has been corrected (s 20.7 CR Code).

The credit-reporting body is required to provide you with your credit report within 10 days of your request (s 19 CR 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 Illion, complete their online form, or download an application form from their website.

To get a free copy of your credit report from Equifax, submit an online request form at www.mycreditfile.com.au.