Features & Benefits

Your credit file is a dossier on you, which you have the power to control. By taking control, you can get confident dealing with credit providers and even use your knowledge to get a better deal.

Just like car insurance can be tailored for you based on things like how much you drive and the type of car you own, so too can a higher credit score help you negotiate are better rate with your lender.

By choosing the Equifax solutions right for you to check, improve and protect your credit file, it will help you save on a better deal and keep your reputation safe now and in the future.

 

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What's included:

  • Equifax credit report

    Your credit check report so you know what banks and other lenders can see when you apply for credit.

  • Equifax Score

    Summarises the information on your report into a number. Simply speaking the higher the score the better the risk. It is often used by lenders as part of the process to decide whether or not to extend credit. Your score is dynamic and generated at a point in time. As a result it changes as information is added or deleted from your credit report.

  • Score history

    A graph of your score over time so you can track it. It includes the key factors that contributed to your score being good or bad. Understanding this helps you make changes so you can improve your score before you apply.

  • Credit alerts

    These help you monitor and protect your credit reputation and safeguard against identity theft by receiving alerts when certain changes on your credit occur on your credit file. This includes new credit enquiries which could be someone else trying to apply for credit in your name.

  • Identity Watch

    Stop identity thieves giving you a bad credit rating. We monitor criminal trading and selling of identity information and alert you if your identity details have been compromised online before you are impacted financially.

  • Identity Guard Insurance

    If you are the victim of identity theft we can help take away some of the stress with up to $15,000 to help restore your identity.

  • Personal credit repair

    Equifax support services also give you added confidence you’re in control of your credit file.

    If you find a credit enquiry or overdue listing is incorrect we can help you fix it for free.

  • Knowledge area

    A comprehensive guide to our personal credit and identity solutions as well as tips and information about managing credit and protecting your identity.

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