How to check your credit report

Transcript

So you can actually get access to your credit report for free once every three months. The important thing to know is your credit report provides a really important insight into your credit accounts and your performance in respect to those accounts. To check your credit report, you can go to each of the three credit reporting bodies, who are Equifax, Illion, and Experian, and go directly to their websites and fill in the forms.

Or what we can also do is go to creditsmart.org.au and on that website we have a link to checking the free credit report. So it will actually help you find those pages on each of those websites. The important thing to know is when you do check your credit report, it's not going to impact your credit score.

So you can check as often as you want. It's not going to impact your score, but it's really important to do because if you are checking your credit report regularly, you can identify any errors when they come up, get on top of those errors and fix them. You can fix those for free by either contacting the credit reporting bodies or any of the lenders who you deal with.

And once they're fixed, it also then helps if you want to apply for credit in the future, which is pretty important.

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