In general, most Australian residents will have a credit file that contains information about the financial institutions an individual, or company has dealt with previously. In the past few years, this file has also started to include a US-style scoring system, with files given a score ranging from 0 - 1200 in an attempt to rate your credit strength.
These files and their management are currently undertaken by a company called Equifax (formerly known as Veda), who will provide you with a copy of your credit file for free if you are happy to wait up to 10 days. However, the free report does NOT include your credit score!
However, My Loan Expert is happy to provide its clients with a FREE copy of their Equifax report, including the Credit Score.