Credit Report
Can I have Information Removed from My Credit File?
Category: Credit Report
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.
How long does Information Stay on My Credit File?
Category: Credit Report
This all depends on the type of data. Identity information including your name, date of birth, gender, driver’s licence and address history is held for the life of the credit report.
I've Never Applied for Credit So Do I Have a Credit File?
Category: Credit Report
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.
How Often is a Credit File Updated?
Category: Credit Report
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.
What's in My Credit File?
Category: Credit Report
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.
Protect Yourself and Your Family against Identity Theft
Category: Credit Report
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.
How Does My Equifax Score Impact My Credit Application?
Category: Credit Report
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.
How is My Equifax Score Calculated?
Category: Credit Report
A good Equifax Score can help give you confidence to to help negotiate a better deal from a lender.
How is My Equifax Score Displayed?
Category: Credit Report
Your Equifax Score is displayed as a number as well as a percentile range, showing where your Equifax Score sits in relation to other credit-active Australians held in our credit reporting database.
How Do I Understand My Equifax Score?
Category: Credit Report
Understanding your Equifax Score may help give you confidence when applying for credit.