Know Your Credit
Get a free assessment of your credit report and discover what’s holding you back from better finance options.
Credit Report Assessments
Having difficulties getting your report? Or just want to speak to someone who knows everything about credit reporting?
If you want a personalised consultation with our CEO Victoria Coster, we are happy to offer this. Victoria has carried out nearly just over 9,000 cases since starting the business (current as of April 2026). She has a wealth of experience, expertise and knowledge that she is happy to share with you.
It includes:
- A copy of your Equifax report and score
- Time over the phone with our CEO Victoria Coster, for education, DIY options and maybe work we can help you with
$89.95 personal report and consult order form (can add in $129.95 for company – optional – if you need to)
$129.95 Company report and consult order form
Once you complete the form, this will be sent to our team who will email you the credit report and loop in our CEO Victoria Coster who you can then work out the best time for you for your consultation
What Is Credit Report?
Your credit report is a vital part of assessing your financial history and will dictate your ability to gain access to finance for wealth creation, subject to other Lender terms and conditions.
Your credit report contains your historical ‘footprint’ of your financial behaviour, including:
- How often you apply for credit
- What type of credit you apply for, i.e., home loan, personal loan, payday loan etc.
- How you repay those loans if payments are late, or you overdraw your accounts.
- If you have defaults if you are in collections or judgements or court rulings.
People often think that it’s just their credit score that is important. But this is not true, although your score can be important to some Lenders, it’s the contents of your credit report that the credit assessment teams look at in deciding to approve you for finance or not.
Your credit score is a quick indicator of your creditworthiness. The score is based on your current credit report, but there are different scores.
If you take the Equifax scoring system for example, you have the following scores:
- Comprehensive Score and Equifax One score – Your overall score including all data both consumer and commercial
- Negative Data only – Score based on Defaults and Judgements only
- Vedascore 1.1 – The old system, still used by some lenders for Auto-Declining applications
However, there are 2 credit reporting agencies in Australia. Not just Equifax.
There is also Experian.
If you run a company, there are 2 credit reporting agencies for your company credit reports as well.
These are Equifax, and Creditor Watch.
In general, scores and reports should all be the same, but they can sometimes be different.
This is because some Lenders may choose to report to Equifax and/or the other credit reporting agencies, which in turn can give us different reports and scores.
Overall, it is important that you check and read through both credit reports before applying for finance.
We don’t know which Lenders are checking which report(s).
So, we should be looking at both of them.
In addition, it’s a good idea to visit a finance broker before you apply for finance.
This is because brokers are trained to know which Lenders accept what.
And they will assess everything, including your credit reports, before submitting a loan to a Lender.
You can get your free personal credit reports from both agencies in Australia.
With CreditorWatch you have to create an account to see your company report and Equifax charge different fees depending on what report you order.