Get your free credit report in Australia

In Australia, you can get a free credit report, and Real Credit Repairers is here to help you access it. With your written permission, we’ll request your current credit file from an Australian credit reporting agency on your behalf. Once we have it, we carefully review the details and explain everything to you during a free phone call. This way, you'll clearly understand what's in your credit report. Request your free credit report, or call 1800 945 140.

Book your free credit report review

1800 953 563

What you get with RCR's free credit report

Most credit reporting agencies give you a form and a file to download, leaving you to figure everything out. We take a different approach. With your signed permission, we request a free credit report from an Australian credit agency on your behalf. This is your report, the complimentary copy you are entitled to by law, and we secure it for you without any charge. We are not a credit reporting agency, so we don't issue the report ourselves. Instead, we gather it for you and provide a thorough review.

Upon receipt of your report, we'll review it in 24 to 48 hours. Afterwards, one of our representatives will give you a call for a free credit consultation. At the consultation, we’ll talk about your complete credit status: your score, how it is affected, and how you can work on improving it. You'll get a good grasp of your credit status through this call.

Request my free credit report to get started, or call 1800 945 140.

When you apply for a loan or any credit product, lenders review your credit file to make their decision. This file compiles your credit history along with some personal details into a report primarily designed for their use, which can make it feel cryptic to the average person.

What a credit report shows and how to read it

What is on your credit file

At the very top is your credit score, which indicates your skills in borrowing and repaying. Right after that comes your repayment record, which gives an account of how well you repay your loans and credit card bills. If you’ve arranged any financial hardship agreements with lenders, these will also be noted here.

Additionally, your credit file outlines all your open credit accounts, detailing their balances and how they've changed over time. It also records every credit inquiry made when you apply for financial products, whether it's a mortgage, personal loan, buy-now-pay-later service, or a credit card from your bank or credit union. While checking your own score through an online service is considered a soft inquiry and doesn’t impact your credit rating, a hard inquiry from a lender can affect your score.

Negative listings on your file

Credit reports have considerable influence over your finances, particularly where they contain negative entries. Such negative entries, which include default cases, judgments from courts, and debts owed to creditors or debt collectors, affect your credit score.

Another reason may be related to the possibility of identity theft or mistakes where another person’s identity appears in your record. A defaulted item is usually present in your file for five years, whereas serious cases of credit violation usually remain there for seven years.

If you find incorrect information on your credit file, you have the right to request a correction. For example, if there's an error on your Equifax report, you can resolve it through our Equifax corrections process. Many people struggle to distinguish between legitimate and incorrect listings, which is why we offer to review your credit file with you. For a more detailed examination, our credit report review consultation provides a thorough line-by-line analysis for a fee.

How often you can get a free credit report

In Australia, you have the right to obtain a free credit report every quarter from each credit reporting agency. In addition, if you've been denied credit or recently corrected your credit file, you can request an extra free report within 90 days. This right is protected by the Privacy Act 1988, overseen by the Office of the Australian Information Commissioner. We facilitate this process on your behalf.

Most people don't check their credit report out of mere curiosity. Often, there's a specific reason for it. Perhaps it's been over a year since you last checked your credit status, and you're preparing for a significant purchase. Or maybe you've been turned down for a personal loan or credit card and can't figure out why. Some people worry about identity theft, while others have experienced account freezes or repeated failed credit applications. Whatever your reason, your credit report reveals what lenders perceive in your credit history.

Every quarter

a free report from each reporting agency

90 days

extra free report after a denial or correction

It does not take long to get started. Here is how it works, from the moment you make the first click to the call explaining everything.

How to request your free credit report from RCR

Provide your ID and supporting documents. These include your driver’s licence number, Medicare details, your employment status, and any supporting documentation that proves it’s really you.

Step 3

Sign the written authority. This is what lets us request your file on your behalf as your access seeker. Without this, we won’t be able to make your file request on your behalf as your access seeker. Nothing happens to your credit information without this.

We get your record from a credit reporting agency here in Australia and audit it within 24-48 hours.

Step 5

Then, we get you on the phone and go through your file line by line with you.

Step 4

Step 1

Fill in the online form with your updated information.

Step 2

You skip the hassle of dealing with bureaucratic paperwork or long hold times. We take care of submitting the request and following up, so you can focus on your day. Once the report is ready, a friendly voice will call to update you.

Request my free credit report, or call 1800 413 044 to start over the phone.

FastTrack Consult and Audit: same-day, all three bureaus

If waiting two days feels too long, FastTrack Consult and Audit provides a complete service within the same day for $89.95. This option is perfect for those who need a comprehensive view immediately. We gather reports from all three major credit bureaus (Equifax, Experian, and illion) at once and conduct a thorough audit.

You’ll receive a call on the same day to discuss the results, along with a personalised quote for any necessary repairs to your credit file. Since FastTrack accesses all three reporting agencies, it can identify listings that might appear on only one bureau, which is crucial if you're applying with a lender who checks a different one. This service is ideal for anyone with an impending settlement deadline or a pressing finance application.

Book a FastTrack Consult

What happens after you get your report

This is the stage at which free consultation becomes a strategy. After we have analysed your file, we provide you with an explicit set of recommendations for overcoming any factor that is dragging your score down.

When there are grounds to take action, we might approach creditors to remove a default or contest a court judgment to overturn one that shouldn’t stand. We also address improperly recorded inquiries. If you're burdened with overwhelming balances, we can directly negotiate with your creditors. While each case is unique, many clients notice positive changes within six weeks. We commit only to outcomes we can confidently support.

We offer our repair services with a simple promise: you only pay if we successfully resolve your issue. If your file wrongly shows a default or court judgment, or if there are inquiries mistakenly recorded, we are here to help. Our work includes removing incorrect credit enquiries and repairing credit issues caused by identity theft. If someone else's actions have affected your credit record, we can assist you in repairing identity theft.

Start your court judgment removal

To get started, request your free credit report, and we'll begin with a thorough audit. You can also reach out to us at 1800 945 140 for more information.

Frequently asked questions

It is your right to access a free credit report every three months, and this will be provided to you by us as your access seeker, based on your written authorisation. Complete the request form on this page and sign the authorisation, and we will retrieve your credit file from one of the Australian credit reporting agencies and review it with you. There is nothing to pay for the report itself.
Yes. Accessing a single bureau report is absolutely free. However, if you want something faster, FastTrack can be purchased for $89.95, giving you reports from all three bureaus on the same day. Rest assured, the standard free report remains entirely free.
Your report is sourced from just one of the Australian credit reporting agencies on the free route. With FastTrack, however, we source your report from all three (Equifax, Experian and illion) for an all-inclusive audit.
For the free option, the process takes between 24 and 48 hours, during which we get and review your report before calling you to discuss. Fast Track allows us to review and analyse your report and consult with you on the very same day. In either case, you are not left waiting weeks for a posted report.
You will require a photo identification along with some other supporting documents which include your driver’s licence number, Medicare details, employment status, and whatever else can prove your identity. This is because you have to sign an authorisation form that gives permission for us to ask for your record on your behalf.
Yes. If you’ve been denied credit within the past 90 days, you’re also eligible for an additional free report on top of your standard three-monthly one. This is usually the fastest way to discover why you were denied. Send us the request, and we will obtain it and explain what the lender likely saw.
It will be reviewed first, after which we will provide an honest opinion on whether there is justification to oppose the decision. In instances where this is the case, we are able to contest the listing, bargain with the creditor, seek a reversal of the court order, and seek rectification where it may be necessary. You can read more on our remove a default page. We never promise a listing will come off, only that we will act where there is a genuine case.