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Credit report

Understand your credit report and take control of your financial future

Your credit report reflects your financial behaviour— it includes your credit history, active credit accounts and your credit score. Lenders use this information when assessing whether to approve you for credit.

By reviewing and understanding your credit report, you’ll have a better understanding of how financial institutions and other credit providers see you.

If you’re at least 18 years of age and you are, or have been, a borrower, credit reporting bodies (CRBs) such as Experian are likely to hold credit reporting information about you. You are entitled to obtain this information free of charge at least quarterly if you would like.

What's new in CreditConnect

Your new way to view your credit report

CreditConnect offers a more streamlined experience, enhanced security and improved access to your credit information—all designed to better support your financial journey.

Some things might look a little different.

  • You may see extra information added to your report, helping make it more accurate.
  • Your score might change slightly - this is normal and just reflects a new, improved score model.

This change is designed to benefit you, with a fairer and more consistent view of your credit profile.

Order your credit report via CreditConnect

Protect yourself against fraud

Reviewing your credit report can help you spot potential fraud or identity theft.

Make sure all your infomation is correct

It’s smart to keep an eye out for any errors that could be impacting your credit.

Stay on top of your credit

Reviewing your credit report helps you prepare to take out a loan or access new credit.

illion Credit Check is now part of Experian CreditConnect

If you previously had an account on illion Credit Check, we’ve moved your account to our new platform, Experian CreditConnect. You don’t need to take any action—your account has been migrated automatically. For security, you’ll just create a new password the first time you log in. CreditConnect offers a streamlined experience, stronger protection and improved access to your credit information.

Third Party Requests

Credit Report requests from a third party can be ordered on behalf of a consumer (e.g. solicitors, credit repair agencies).

To complete the request, the following information will need to be provided via email to: creditreport@au.experian.com

  1. Signed ‘Authority to Act’ from the consumer(s) granting the third-party access to their credit report
  2. 100 points of identification to enable Experian to verify the consumers identity

Knowledge Center

Your score

Get to know your score

Your Experian credit score is a snapshot of the strengths and weaknesses in your Experian credit report. The score gives you an idea of how credit providers may view your credit report and the information contained in it when assessing your application for credit. 

Your credit report

Keeping your credit report accurate

Your credit report tells you important things you need to know when accessing the financial services you need, so keeping it accurate and up to date is an important responsibility.

If you feel the information contained within your Experian credit report is incorrect, you can seek to have the information corrected. 

Got questions

Got questions? We've got answers

Our Consumer FAQs cover the topics that matter most to you — from credit reporting and repayment history to understanding your Experian credit report and credit score. You’ll also find guidance on corrections, identity theft, placing a ban on your report, working with third‑party providers, and navigating financial hardship assistance. Plus, we explain how Buy Now Pay Later arrangements are reflected in your credit reporting.