Before we can process your request and to protect your identity, you will be required to provide the credit reporting information we hold on you from ONE of the following identification documents. Please ensure you have acceptable photo identification ready before completing the report request.
If you’re at least 18 years of age and you are, or have been, a borrower of money, credit reporting bodies (CRBs) such as Experian are likely to hold credit reporting information about you. Your free* Experian credit report can be ordered once every 3 months. In order to provide you with your report, we need to check and verify your identity.
Once you’ve provided the required information and submitted your credit report request, your information will be verified, and your request will be processed. You will then receive your free Experian credit report within 10 working days.
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: email@example.com
Please provide a minimum of 100 points of identification and proof of address from the list below.
|PRIMARY GROUP A||POINTS|
|Driver Licence issued by an Australian State or Territory||40|
|Roads and Maritime Services (Formerly RTA) photo card||40|
|Proof of Age Card (Government issued)||40|
|Government employee ID (Australian Federal/State Territory)||40|
|Current Australian Tertiary Education Institution Photo ID||40|
|Defence Force Identity Card (with photo)||40|
|Foreign passport (current)||70|
|Australian passport (current)||70|
|PRIMARY GROUP B||POINTS|
|Medicare card issued by Health Insurance Commission||25|
|Credit card or debit card issued by a financial institution in Australia||25|
|Australian Marriage Certificate (Australia Registry issue only)||25|
|Change of Name Certificate (Australian Registry only)||25|
|Taxation Assessment Notice||25|
|Centrelink card issued by Centrelink||40|
|Department of Veteran’s Affairs card issued by DVA||40|
|Working with Children / Teacher’s Registration Card||40|
|Full Birth Certificate (not a Birth Certificate extract)||70|
|PRIMARY GROUP C|
|Utility bills (e.g. phone, electricity or gas)||20|
|Australian Mortgage Document (current address)||25|
|Property rates notice||25|
|Bank or credit card statements showing your current residential address||25|
|Property lease agreement||25|
A credit report is a detailed record of your credit history, including the types of credit you have had and how you have repaid that credit. Your credit report may include a 24-month history of whether you have made your loan repayments on time. This is known as “repayment history information” and a good repayment history will help you to get approved when you apply for credit.
A credit report is made up of a range of personal and financial information. Below are the typical types of information found on a credit report:
● Personal Identifying Information – Information such as your name, address, driver’s licence number or date of birth is required for identification purposes. Updates to this information come from information you supply to credit providers, or when you request your credit report from Experian and third-party organisations, such as price comparison websites.
● Credit Account Information – Credit providers, such as banks, report information about each credit account you have with them. They report the type of credit account, the date you opened the account, your credit limit or loan amount, and your payment history.
● Credit Enquiries – Your credit report lists the enquiries or requests that lenders have made for your credit reports within the last five years. When you apply for a loan, for example, you authorise your lender to ask for a copy of your credit report.
● Bankruptcies & Judgements – Credit reporting bodies also collect bankruptcy information from courts.