A credit report is a detailed record of your borrowing and repayment history in Australia. It’s assembled by a credit reporting body when you request it (or a lender does) and includes:

• Personal identity details (e.g., name, date of birth, address, employer)

• A list of your credit accounts and recent applications over the past 5 years

• Your repayment history over the last 24 months (e.g., on-time payments, defaults)

• Legal actions like defaults or judgments

• Enquiries by lenders when you’ve applied for credit

In Australia, you’re legally entitled to one free credit report from each of the three credit reporting bodies every three months. That includes:

• Equifax, Experian, and Illion

• Each body offers the report online, and some may also include a credit rating (like “good” or “excellent”) 

• Reports are typically delivered within 10 days after you provide standard ID (e.g. driver’s licence)

• If you’ve been denied credit, you’re also entitled to a free copy within 90 days of that refusal

You can also choose to purchase more frequent or enhanced services if needed.