How do I see my credit report?

You are entitled to ask credit reporters for a copy of the credit information they hold about you. You can ask for just the information in your credit report, or for all the information the credit reporter holds about you.

Extra information not included in your credit report could include things like a complete list of people who have accessed your report. If a credit reporter has generated a credit score about you, you have the right to an explanation of this score.

The credit reporter must provide the information to you without undue delay. If you want to make an expedited request (which means the credit reporter has to provide the report to you within three working days) you may need to pay a reasonable charge (of no more than $10), but otherwise you can get your credit report for free.

A credit reporter must check the identity of anyone making a personal access request. This may involve asking you for certain identification details, although these cannot be added to the credit reporter’s database without your consent.

Updated November 2025