Credit Check

Get your Credit Report and Credit Score online now.

Find what information credit lenders have about you.

Order your comprehensive credit report now.


Benefits of using us for your Credit Report

What information contains my credit report?

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Personal information

Name, Gender, Other names, Driver's licence, Date of birth, Employer, Known addresses.

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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.

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Current consumer credit providers

This section includes information on open accounts, credit providers, and debt collection agencies that don't currently provide repayment history.

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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.

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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.

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Consumer defaults

This sections shows possible defaults, overdue debts, missed payments on loans or utility bills.

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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.

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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..

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Public information

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.

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Personal statements

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.

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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.

Identity theft

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.

Denied credit

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.

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Easy steps to obtain your credit check

How it works

Credit report for Individuals

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

$ 21 .90

Credit report

GST included

  • Pay one report and get it in minutes
  • Full comprehensive credit check
  • Includes credit score and a lot more details
  • 100% online
$ 11 .90 / month

Credit Check Premium

GST included

  • 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

Credit report Comparison

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 PremiumOther provider premium
Monthly cost$11.90/month$14.95/month
SavingsYou save 26%!

Included in Backy Check Premium Credit Check

12 comprehensive credit report / year
Full online application
Credit alerts
Monthly Credit Score
Customised dashboards
Access to bundle discounts

Single credit check price comparison

Backy CheckOther provider basic
Cost$21.90$59.4 ($4.95/month)
SavingsYou 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.
Backy Check portal image

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:

Group AGroup B
Australian birth certificateAustralian marriage certificate
Australian Defence Force Identity Card (w photo)Australian Mortgage Document (current address)
Australian drivers licenceBank or credit card statement with current address
Australian passportCentrelink card
Current AU Tertiary Education Institution Photo IDCredit or debit card issued by a FI in Australia
Foreign passportDepartment 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 cardProperty rates notice
Working with Children/Teachers Registration CardTaxation Assessment Notice
Utility bills (e.g. phone, electricity or gas)

Credit Check FAQ

A credit score is a numerical value which shows your creditworthiness as a single number. The credit score uses information from your credit report an turns it into a number, which is the credit score.

A credit report contains detailed information, including your credit score, personal information, current consumer credit providers, consumer credit enquiries, consumer credit accounts, consumer defaults, consumer serious credit infringements, commercial credit history, public information, personal statements, file access record.

We need these details from you to verify your identity and give you the correct credit report information.

No, checking your report does not affect your credit score.

Checking your credit report regurarly it is actually a good way to ensure your information is accurate, and may help detect potential identity theft.

Requesting a credit report or check your credit score is considered a "soft enquiry". Soft enquiries do not affect credit scores and are not visible to potential lenders that may access your credit report.

Requesting a loan or a credit card is considered a "hard enquiry". Hard enquiries do affect credit scores. However, if you make multiple hard enquiries because you are shopping around to borrow a large amount of money, for example o buy a property, this will be considered as one hard enquiry, usually if they are made between 14 and 45 days. So, only one enquiry will affect your credit score.

You can get a free copy of your credit report, which should include the credit score, from the main credit reporting agencies: Equifax and Experian for example. You can obtain a free copy every 12 months.

However, it is probably best to check your credit report more often than this.

Your credit score is dynamic, meaning it may change from month to month as your financial circumstances change.

Experian logo

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.

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100% Australia owned and run.

All our people, resources, servers, every bit of data are in Australia