You are entitled to a free credit report once a year from the major credit reporting bodies (also known as CRBs and “credit reporting agencies”) in Australia, so it’s important to know what each one has to offer. Here is an overview of the three main CRBs:
Tasmania has a fourth CRB: the Tasmanian Collection Service (TCS). Tasmanian residents can request their credit report through TCS or Veda, while all other Australians can request their report through the three main CRBs above.
Each CRB has its own database of credit history that makes up their individual credit reports, so it can be useful to request free copies of your credit report from all three of them to get a good overview of what credit providers might see on your reports.