We've simplified things

The integration of the illion and Experian credit bureaus is complete - you now receive one complete credit report that includes all the information previously held by illion and Experian.

Access your report
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.

Access your credit report via CreditConnect

What you’ll get

Your full credit history

All the information we hold that lenders use to assess your creditworthiness.

Account and repayment details

See your credit accounts, repayment behaviour and any defaults.

Credit enquiries

View who has requested your credit information and when.

Public record information

Includes, court judgments, ASIC Directorships and bankruptcies.

How it works

Verify your identity

1. Verify your identity

We’ll ask a few quick questions to confirm it’s really you.

Request your report

2. Access your report

It’s free. You're entitled to this every 3 months, or anytime you’ve been declined credit or had a correction actioned

download report

3. Download instantly

Your report will be available to view and save.

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Frequently asked questions

As the Illion and Experian integration is now complete, you no longer need to request two reports. From now on, you will receive your combined credit information in a single, easy to read, report branded as Experian.

Yes. You still receive the full set of information you’re entitled to — it’s just presented in one report instead of two.

Yes. You can request a free credit report every 3 months, or sooner if you’ve been declined credit or had incorrect information on your report updated.

Most people receive their report instantly after verifying their identity.

No. Checking your own credit report does not impact your credit score.

Third Party Requests

Credit Report requests from a third party can be ordered on behalf of an individual (e.g. solicitors, financial counsellor, 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 individual(s) granting the third-party access to their credit report
2. 100 points of identification to enable Experian to verify the individuals identity

Knowledge centre

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. 

Learn more
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. 

View more information
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.

View our FAQs