Lenders and service providers use your credit score (credit rating) to work out if they will give you credit, lend you money or provide you with a service.
Your credit score is determined by what is in your credit report such as how much money you have borrowed, how many credits applications you have made and whether you have defaulted on a payment.
You can obtain a free copy of your credit report once each year. You may have to pay if you want a copy in less than 10 days or ask for more than one copy in a year. Avoid any provider that asks you to pay for your credit score or asks for your credit card details.
For further information on credit reports, credit scores, and how you obtain one go to the Moneysmart [website](https://moneysmart.gov.au/managing-debt/credit-scores-and-credit-reports) or the National Debt Helpline [website](https://ndh.org.au/debt-problems/bad-credit-rating/get-your-credit-report/).
If you think your credit report has an error, you can arrange it yourself for free. For more information click on the link [here](https://www.affordablesa.com.au/programs/money-and-finances/credit-repair).
If you are experiencing financial hardship, and wish to have a free, confidential and independent conversation and access to a free financial counselling service that will consider all your options for dealing with your debt and getting back on track call the National Debt Helpline on 1800 007 007 or click on the number below.