A credit report is a snapshot of your own credit history.
It contains information about how well you have maintained your credit accounts and any recent credit applications you’ve made.
It also contains information about your identity, such as your address, employer information, as well as public information such as insolvencies.
Different credit reporting bodies (CRBs) may hold different information about you, as the data is provided by different credit providers.
Most banks and lenders use your credit report as part of the decision making process when deciding whether to give you credit.
ClearScore partners with Experian to give you access to your credit report and score. Experian is one of main credit reporting bodies in Australia, and we receive your credit report and score once a month from them.
We give you access to this credit report and score for free, so you can check it whenever you want and monitor changes over time.
It’s a good idea to regularly check that your report is accurate and up to date. This will help protect yourself from identity fraud and allow you to see the likelihood of being accepted for credit in the future.