If the entire listing is incorrect, such as an overdue debt that is inadvertently listed on your credit report by a credit provider e.g. the debt is statute barred, Equifax, after investigating your complaint or on the advice of the credit provider, will remove the listing.
We’ll create a credit file when we first receive information about you, such as an enquiry made to a credit provider, a business directorship, or default judgement information.
Under the new comprehensive credit reporting system your consumer credit report can be updated on a monthly basis with account repayment information such as if you have paid a credit card, or other personal credit, on time.
Loan enquiries made in the past five years for household, personal or family purposes or to purchase, re-finance or renovate a residential investment property, or where you have gone guarantor for someone else with respect to consumer credit.
If you shop online or share your information on social media it is a good idea to take steps to help protect your personal information.
Your Equifax Score is a summary of your credit information held by Equifax and indicates how finance or utility providers may view you when you apply for credit.