Protect Your Credit: Stay ahead of Identity Theft

Data breaches are rampant, and identity theft is a growing threat—protecting your credit record has never been more urgent. Taking proactive steps to protect your credit record is more important than ever. Regularly checking your credit score is a vital part of maintaining financial health and safeguarding against potential threats.

In Australia, the major credit reporting bodies include Equifax, Experian, and illion. These organizations collect and maintain credit information, which is used to generate credit reports and scores. Understanding how these agencies operate can help individuals take control of their financial health.

Australian law grants individuals the right to access their credit data held by reporting bodies. You can request a free copy of your credit report annually or within 90 days of being denied credit. This ensures transparency and allows you to verify the accuracy of the information being used to assess your creditworthiness.

Equifax credit report can be through their website: https://www.equifax.com.au/ or alternatively call 138332 and select option 2.

Experian has acquired illion in October 2024, but currently as of August 2025 they provide separate facility to requesting your credit report.

Experian provides a form to request a credit report to be compiled and sent to your email address: https://www.experian.com.au/consumer/order-credit-report or call 1300783684 9am-5pm Monday to Friday.

illion provides access to a dashboard to access your credit score and report: https://www.creditcheck.illion.com.au/ or call 132333.

Regular reports to monitor for fraudulent activity help minimize the effects of identity theft can be requested every 3 months, and each credit reporting body provides facilities to correct your record. By staying vigilant and taking advantage of these resources, individuals can proactively safeguard their financial health and ensure their credit information remains accurate and secure.