Free Credit Report: Checking Your Credit File

How do I access my credit file?

You can request a free copy of your credit file by following this process:

  • Download and complete the credit file request form.
  • Fax or mail the form to credit reporting agency Equifax, which was previously Veda Advantage.
  • You will receive your credit file within 10 working days.

What if I have a bad credit history?

It is still possible to get approved for a home loan, depending on the nature of your situation.

You can find out more in the bad credit home loans section of our website.

What is a credit file?

Your credit file contains your personal information, including your name, date of birth, address and gender.

It also contains information about your credit history, including:

  • Which lenders you have applied for loans with during the last five years,
  • Any defaults, court writs or judgements in the last five years and
  • Any history of bankruptcy in the last seven years.

Your credit history is one of the most important things that banks take into account when you apply for finance to purchase or refinance. Knowing your credit history can help you make various decisions in applying for the right type of home loan.

Information on your credit history

Veda Advantage was the largest credit reporting agency in Australia.

As such, it held credit information files on individuals, in accordance with the Federal Privacy Act 1988.

In 2016, Veda was purchased by US-based credit agency, Equifax.

Banks and other financial institutions check Equifax’s database when you apply for loans.

You can read about what is on your credit file in the credit scoring section of our website.

You have the right to request copies of the information they hold about you under the Privacy Act.

However, you are only entitled to request a copy of your own credit history.

Can I view my credit file sooner?

You can download the request form here. Request can be made by mail or fax. This service is free of charge, and your credit file will be dispatched to you within ten working days.

If you don’t have time to do so, visit Equifax for their paid service. They can usually provide you a copy of your file within 24 hours.

Once you receive your credit file you can fax or email it to us and we will call you to discuss how your credit history would be viewed by a home loan lender!

Why use us?

We aim to set an example by delivering what we promise: a higher level of service, better advice and better home loans.


Australia-wide services

We finance properties anywhere in Australia for people anywhere in the world.


Get incredible interest rates

Our relationships with our panel of lenders allow us to negotiate your interest rate.


We get tough loans approved

We can help you navigate the often complex pre-approval and application process.


Our customers love us

We receive hundreds of love letters from our customers.

Discover more reasons to use Home Loan Experts

How we find you the right solution

We get a complete understanding of where you’re at and what your ultimate goals are.
You’ll get a recommendation in just a few simple steps.

free assessment

Complete our free assessment form or call us.


We assess your situation.


We look at all the options from our panel of lenders.

suitable home loan deals

We will find you the most suitable home loan deals.

Testimonials for Home loan experts

about us


lenders on
our panel


lent Australia-wide
and counting

Common Wealth
St George
Pepper Money
Me Bank

of our borrowers get
approved with a major bank


of our borrowers get a discount
below the bank standard variable rate