Access Your Australian Credit Report for Free Every Three Months
Summary
The OAIC has published guidance explaining that Australian credit reporting bodies must provide consumers with free access to their credit reports once every three months. Consumers are also entitled to a free copy if they have been refused credit within the past 90 days or if their credit-related personal information has been corrected. At other times, credit reporting bodies may charge a fee, provided it is not excessive.
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GovPing monitors Australia OAIC Privacy Determinations alt for new data privacy & cybersecurity regulatory changes. Every update since tracking began is archived, classified, and available as free RSS or email alerts — 3 changes logged to date.
What changed
The OAIC has published this consumer guidance page explaining access rights to credit reports under Australian privacy law. Credit reporting bodies must provide free access to consumer credit reports at least once every three months. Additional free access is available when a consumer has been refused credit within the past 90 days or when the consumer's credit-related personal information has been corrected. Outside these circumstances, credit reporting bodies may impose fees, which must not be excessive. The guidance identifies Equifax and Experian as the two credit reporting bodies operating in Australia. Consumers who believe their credit reporting rights have been violated may lodge a complaint with the OAIC.
Archived snapshot
Apr 23, 2026GovPing captured this document from the original source. If the source has since changed or been removed, this is the text as it existed at that time.
Access your credit report
Your privacy rights
- Your personal information
- Credit reporting
- What is credit reporting?
- What is a credit report?
- Credit reporting terms
- What stays on a credit report?
- Access your credit report
- Correct your credit report
- Information on your credit report
- Repayment history and defaults
- Third-party access to credit reports
- Fraud and your credit report
- Hardship assistance
- Commercial credit information
- Make a credit reporting complaint
- Real estate agents, employers and your credit report
- Data breaches
- Health information
- Social media and online privacy
- Surveillance and monitoring
- Ways to protect your privacy
- More privacy rights
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- Updated:
14 April 2026
1 min read A credit reporting body must give you access to your consumer credit report for free once every 3 months.
You can also request a free copy if:
- you’ve been refused credit within the past 90 days, or
- your credit-related personal information has been corrected At other times a credit reporting body may charge a fee, but it mustn’t be excessive.
You can request a copy of your credit report from these credit reporting bodies:
- Equifax, phone 138 332
- Experian, phone 1300 783 684 Credit reporting bodies may hold different information about you, so you may need to request a copy of your credit report from each credit reporting body.
Related pages
### What is a credit report? ### Credit reporting terms ### What stays on a credit report?
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