Frequently Asked Questions
With Identity Watch, available in an Equifax ID Basic or Premium annual subscription, your details are monitored 24/7. That means now. And now. And now … get the picture? If any information is found to be compromised we will send an alert straight away.
Once you have registered the personal information you would like monitored by Identity Watch, available with an Equifax ID Basic or Premium subscription, it takes 12–24 hours for us to carry out the initial scan. We’ll send you an email after the first scan is done and let you know what we found.
No. Only you will receive an email alert. You then have to log on to your portal – see what’s happening – and start planning your next steps.
Identity Watch is available with an Equifax ID Basic or Premium subscription.
Equifax’s Your Credit and Identity Guard Insurance* supports you if you’ve become a victim of identity fraud. This is feature is available with an Equifax Premium subscription. It’ll help you with the cost of restoring your identity and reduce the impact and risk associated with loss and theft. It may also help minimise the stress and grief of restoring your identity and regaining control over your finances.
It also provides you with much-needed funds while you get back on your feet – reducing the impact and risk associated with loss and theft.
Click here to read our Your Credit and Identity Guard Insurance Policy Information Booklet.
*Your Credit and Identity Guard Insurance is underwritten by AIG Australia Limited (ABN 93 004 727 753)(AFSL 381686). When eligible, Your Credit and Identity Guard Insurance may provide you with up to AUD$15,000 per annum for out-of-pocket expenses in relation to restoring your identity. Terms and conditions apply. Please refer to Your Credit and Identity Guard Insurance Policy Information Booklet.
It can happen to anyone. Your information could be stolen online, you could lose your wallet or a company you trust could have a data breach.
If you think someone has stolen your identity, you should act immediately:
- Check your statements for unauthorised transactions
- Cancel your credit card(s)
- Contact your bank
- Change your email address(es)
- Change passwords
- File a police report
- Place a ban on your credit report
Other steps to take include:
- Get an up to date copy of your credit report to confirm that the information on the file relates to applications for credit that you have made. Get a copy of your credit file here or if you're already a member you can order an adhoc credit report.
- Contact Equifax and put a ban on your credit report to help prevent fraudulent accounts being opened in your name. The ban period means that if a credit provider requests your credit report as part of an assessment of a credit application Equifax cannot share it unless you have provided express written consent or if it is required by law. The initial ban period is for 21 days and can be extended if you need.
- Contact any credit providers listed on your credit report to whom you have not applied for credit so that they can investigate and take appropriate and prompt action. If you don’t recognise the company that made the enquiry contact them to request an investigation.
- Contact the police and report the crime.
Inform the relevant government agency if personal information is stolen. This includes your driver’s licence, passport, citizenship papers, Medicare card, birth, marriage and change-of-name certificates, tax file number, superannuation or pension.
Don’t panic, we’re with you. Log on to the secure members portal and go to the Identity Protection tab and select Identity Watch in the drop down menu. We will provide you with the information we have about what has been found to be compromised, with advice on what to do next. Or just contact us. We are here to help.