How to do a credit rating check in AustraliaYour credit rating is an essential element of your home loan application. Each agency has its own credit score calculation system, which means your credit score will vary between agencies. How to check your credit rating in AustraliaUnder federal laws, a credit reporting body must give you access to your consumer credit report for free once every three months. You can check your credit rating in Australia through the following credit reporting agencies:It’s worth noting that not all financial institutions share information with all credit reporting bodies. Be judiciousIt’s worth noting that a single lender running a credit check for a pre-approval won’t affect your credit score.