How to Check Your Credit Score for Free in Australia
This article provides general information only and does not constitute financial advice. For advice tailored to your situation, consult a licensed financial adviser. Learn more.
Contents
You can check your credit score and access your credit report for free in Australia — from all three credit reporting agencies. No credit card required, no sign-up fees, and checking your own score does not affect it.
Free Credit Score Services in Australia
Equifax
Free annual credit report: equifax.com.au → Products → Free Credit Report
Free ongoing score monitoring:
- Get Credit Score (getcreditscore.com.au) — powered by Equifax, free ongoing access
- CommBank, ANZ, Westpac, NAB apps — most now include a free Equifax score in their banking apps
Experian
Free annual credit report: experian.com.au → Products → Free Credit Report
Free ongoing score monitoring:
- Credit Savvy (creditsavvy.com.au) — free Experian score, updated monthly, includes credit report access
illion
Free annual credit report: illion.com.au → Free Credit Report
Free ongoing score:
- getcreditscore.com.au (also shows illion score alongside Equifax)
How to Access Your Free Credit Report
Under the Privacy Act 1988, you are entitled to one free credit report per year from each agency. You can get an additional free report if:
- You have been refused credit in the past 90 days
- You have had your identity compromised (fraud or data breach)
Steps to get your free report from any agency:
- Visit the agency’s website (links above)
- Verify your identity — typically requires your full name, date of birth, and current/previous address. Some agencies may ask for a drivers licence or Medicare card number.
- Select “free credit report” — not a paid subscription
- Download or view the report online
What to Look for on Your Credit Report
When you receive your report, check the following:
| Section | What to look for |
|---|---|
| Personal details | Correct name, date of birth, current address |
| Credit accounts | All accounts listed are ones you recognise |
| Repayment history | Any late payments or missed payments |
| Credit enquiries | All enquiries are ones you authorised |
| Defaults | Any listings you do not recognise or dispute |
| Court judgments | Any listings you are unaware of |
How to Dispute an Error
If you find incorrect information:
- Use the online dispute form on the credit agency’s website
- Provide evidence where possible (e.g., bank statements, payment receipts)
- The agency must investigate and respond within 30 days
- Also contact the lender who reported the incorrect data directly
- If unresolved, escalate to AFCA (Australian Financial Complaints Authority — afca.org.au)
Banks That Show Your Score in Their App
Most major Australian banks now display your credit score (typically Equifax) for free in their banking app:
| Bank | Score provider | Notes |
|---|---|---|
| CommBank | Equifax | In CommBank app under “Your Credit Score” |
| ANZ | Equifax | Available in ANZ app |
| Westpac | Equifax | Available in Westpac app |
| NAB | Equifax | Available in NAB app |
| ING | — | Not currently available |
| Macquarie | — | Not currently available |
These in-app scores are soft enquiries and do not affect your score.
How Often Should You Check?
- Annually: at minimum, access the full credit report from each agency
- Before a major loan application: check 3–6 months before applying for a mortgage or large loan so you have time to address any errors
- After a data breach: check promptly if you have been notified of a breach affecting your personal data
- Monthly (via free monitoring): use Credit Savvy or Get Credit Score to track changes over time
FAQ
Does checking your credit score affect it? No — checking your own credit score or report is a “soft enquiry” and has no impact on your score. Only “hard enquiries” (lender-initiated applications for credit) affect your score.
Is Credit Savvy safe? Credit Savvy is operated by illion and powered by Experian data. It is a legitimate free service, though it does market other financial products. You can use it without buying anything.
Can I get my report more than once a year for free? You are entitled to one free report per year from each agency. You can get an additional free report if you have been refused credit in the past 90 days, or if your personal information has been compromised.
See also: Credit Score Australia — How It Works | How to Improve Your Credit Score