How to get your credit report free of charge

Applying for credit ALL goes to your credit file.

If you apply for a loan or balance transfer was recorded to your credit file frequently, that may cause your credit history at RISK as they only recored how many times you apply but not recorded if you were approve or declined.

It is not always good to apply for credit.
Apply only when needed as the ability to buy a house or start a business often depends on your credit history.

Check your credit history:
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VEDA
www.mycreditfile.com.au
or
http://www.mycreditfile.com.au/home/free-credit-file.dot

I find it difficult to request for FREE credit report with VEDA.
Tried calling them and I was put on hold for a bit of time and decided to go with D&B which has online application form

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D&B has online facility to apply for FREE credit report:

https://www.dnbcreditreport.com.au/my_standard_request/index.aspx

- report can be sent via email