Benefits of using us for your Credit Report
Real time tracking
So you know what is happening to your checks. We send notification only if an action is needed
It doesn't affect your credit score
Ordering your credit report with us won't affect your credit score.
What information contains my credit report?
Name, Gender, Other names, Driver's licence, Date of birth, Employer, Known addresses.
Your credit score
It's a numerical value which show your credit worthiness as a single number. Your credit score is dynamic, so it may change month on month as your financial circumstances change.
Current consumer credit providers
This section includes information on open accounts, credit providers, and debt collection agencies that don't currently provide repayment history.
Consumer credit enquiries
This section includes your last five years credit applications with the name of the organisation you applied to. These are purely enquires or application made by you and they don't state whether the application was successful, declined or accepted.
Consumer credit accounts
Last two years payments you have made that have been reported by the credit providers to Experian. Not all the credit providers are reporting repayments to Experian.
This sections shows possible defaults, overdue debts, missed payments on loans or utility bills.
Consumer serious credit infringements
If you have attempted or committed fraud while applying for credit or. If you have fraudulently evaded meeting your credit obligations. Or your actions indicate you don’t intend to comply with your credit obligations and they’ve tried unsuccessfully to contact you about this over six months ago.
Commercial credit history
In this section it is presented the information about application to any commercial or business loans, including past or current credit relationships for your business, including business credit card or trade credit account..
This section reports public available information about you. This includes information about whether you have been made bankrupt or have had an successful court actions taken against you.
In specific circumstances you can request to add a short factual statement to your credit report. For example a possible compromise of your personal identity information. This will be visible to any organisation that is allowed to see your credit report.
File access record
Which credit providers have requested copies of your credit report. This doesn't affect your credit score and it is only for your record only.
Why check your Credit Report?
We want to assist the mebers of our commnity to understand and protect their credit history and personal data, and help them in making more informed credit decisions.
Some of the reasons you want a credit report may include.
Check if someone is using your identity to ask for credit.
Correct personal information
Check your details are stored correctly (Name, Family Name, Address, Date of Birth).
Check your debts are stored correctly
Check your debts are listed correctly, They may be wrong or duplicated.
Apply with confidence
Apply for your loan, or for your next job with confidence of knowing what others will be likely to know about you.
You have been denied credit. Find out what information is on your credit report.
Improve your credit reputation
Improve how lenders see your credit score.
How it works
Select your check
You can select a single check or multiple checks. Discounts available when multiple.
Complete the purchase
You will have access to your dashboard, where you upload needed documents.
Get all the checks ordered
You will receive a notification once your checks are ready.
Credit check prices
Get access to your comprehensive credit report, clear dashboard to monitor your credit report.
The credit report it is a comprehensive report which includes your credit score and much more details.
Launch prices. Limited time offer only
- Pay one report and get it in minutes
- Full comprehensive credit check
- Includes credit score and a lot more details
- 100% online
Credit Check Premium
- 12 credit report per year (1 each month)
- Dashboards with detailed report and monthly credit score
- 100% online
- Credit alerts
- Credit tracker
If you have any questions please contact us
Compare our credit reports with others
Don't spend more for your credit report. Access to our modern dashboard - easy to use and full of features
Credit check premium price comparison
|Backy Check Premium||Other provider premium|
|Savings||You save 26%!|
Single credit check price comparison
|Backy Check||Other provider basic|
|Savings||You save 171%...!|
Competitive Credit Check Prices
Don't spend more for your credit report.
Access to our modern dashboard - easy to use and full of features
Backy Check automate most of the process
Backy Check has developed an easy online portal. In few minutes you will be able to access to your credit report. Having automated process means:
- Reduce human error risk and human cost.
- Increase in security. It is easy to put checks in place. We have bulletproof security policies and technologies. And all our data are stored in Australia.
- Deliver your credit report quickly.
What documents do you need to apply for your credit report?
Our process is smooth, fast and it is all online, we need some documents from you in order for us to process your request and give you access to your comprehensive credit report.
You will be asked:
- ONE (1) document from Group A, and
- ONE (1) document from Group B
|Group A||Group B|
|Australian birth certificate||Australian marriage certificate|
|Australian Defence Force Identity Card (w photo)||Australian Mortgage Document (current address)|
|Australian drivers licence||Bank or credit card statement with current address|
|Australian passport||Centrelink card|
|Current AU Tertiary Education Institution Photo ID||Credit or debit card issued by a FI in Australia|
|Foreign passport||Department of Veterans Affairs card issued by DVA|
|Govt employee ID (AU Federal / State Territory)||Medicare card|
|Proof of Age Card (Government issued)||Property lease agreement|
|RMS (formely RTA) photo card||Property rates notice|
|Working with Children/Teachers Registration Card||Taxation Assessment Notice|
|Utility bills (e.g. phone, electricity or gas)|
Backy Check teamed up with Experian, one of Australia's official credit reporting bodies and worldwide leader, to provide you with access to your Experian score and credit file information.
100% Australia owned and run.
All our people, resources, servers, every bit of data are in Australia