Can I get a free copy of my Equifax credit report?

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Yes. You can contact Equifax to obtain a copy of your free Equifax credit report where:

  • Your credit application was declined. The request for a free credit file must be made within 90 days from the date your application was declined;
  • You have lodged a correction request and are advised that the information on your file has been corrected; or
  • You have not requested a copy of your free credit report in the last three months.

You can order a free copy of your credit file in the following ways:

Overview

How Equifax can help you

If you’re serious about monitoring and managing your credit profile and identity then Equifax Ultimate is for you. It’s our most comprehensive credit and identity solution.

 

What you get:

  • Monthly subscription
  • Equifax credit report every month
  • Credit Alerts
  • Equifax credit score each month
  • Top 4 Equifax score contributing factors
  • Equifax Score tracker
  • Identity Watch
  • Identity Guard Insurance^

Subscribe to Equifax Ultimate now

No lock in contracts, you can cancel at any time with effect at the end of the month in which you cancel your subscription.

You need to be 18 years of age and over to order a copy of your credit report

^Terms, conditions, exclusions and limitations apply. See the Identity Guard Insurance Policy Information Booklet for details.

Things to know

Equifax Ultimate helps you to proactively manage your credit profile and protect your credit reputation and identity. You can find out the key factors that impact your Equifax Score and track it over time. Plus help safeguard your identity with credit alerts and identity monitoring. We’ve also got you covered with Identity Guard Insurance^ if things go wrong.

^Terms, conditions, exclusions and limitations apply. See the Identity Guard Insurance Policy Information Booklet for details.

Just want a free credit report? Get your Equifax free credit report here*.

* Eligibility criteria apply

Compare other plans and pricing

Overview

How Equifax can help you

Perhaps you have been the victim of identity theft, know someone who has, or just worry about keeping your information safe. Equifax ID Basic can help you in the event your identity details are compromised or simply provide peace of mind.

 

What you get:

  • Monthly subscription
  • 1 x Equifax credit reports per year
  • Credit Alerts
  • Identity Watch*
  • Identity Guard Insurance^

Subscribe to Equifax ID Basic now

No lock in contracts, you can cancel at any time with effect at the end of the month in which you cancel your subscription.

You need to be 18 years of age and over to order a copy of your credit report

*Monitors one element per category. To add more elements plus get a monthly score and credit report, subscribe to Equifax Ultimate

^Terms, conditions, exclusions and limitations apply. See the Identity Guard Insurance Policy Information Booklet

Things to know

If you suspect you’ve been the victim of identity theft, Equifax ID Basic can help you to protect your credit reputation. If you think you’ve been the victim of identity theft you have a right under the Privacy Act to request a ban on your Equifax credit report.

Please note from 30 November 2018 Equifax ID Basic is a monthly subscription service and also includes an Equifax credit report each year. For further information please check out our FAQ. If you are on an annual subscription plan please click here.

Want something with more? Try Equifax Ultimate, one of our subscription plans.

Just want a free credit report? Get your Equifax free credit report here*.

* Eligibility criteria apply

Compare other plans and pricing

Overview

How Equifax can help you

An Equifax Premium subscription offers credit monitoring and alerts to put you in control of your credit profile.

 

What you get:

  • Monthly subscription
  • 4 x Equifax credit reports per year (1 each quarter)
  • Credit Alerts
  • Equifax credit score each month
  • Top 4 Equifax score contributing factors
  • Equifax Score tracker

Subscribe to Equifax Premium now

No lock in contracts, you can cancel at any time with effect at the end of the month in which you cancel your subscription.

You need to be 18 years of age and over to order a copy of your credit report

Things to know

Get on top of your credit profile and protect your identity. The top 4 contributing factors help you to understand the items on your credit report that are impacting your Equifax credit score. This, along with the Equifax Score Tracker tool, can help if you’re looking to improve your Equifax Score in preparation for that important credit application or future purchase.

Please note from 30 November 2018 Equifax Premium is a monthly subscription service. If you are an existing customer on an annual subscription please check out our FAQ’s to find out the differences.

Want something with more? Try Equifax Ultimate, one of our subscription plans.

Just want a free credit report? Get your Equifax free credit report here*.

* Eligibility criteria apply

Compare other plans and pricing

Overview

From 30 November 2018 annual subscription product plans (Equifax Basic, Equifax ID Basic, Equifax Plus and Equifax Premium) will no longer be offered to new customers by Equifax. Existing customers of these products can still access their subscription by logging into the secure portal.

If you wish to switch to a new monthly subscription, you will need to cancel your existing annual subscription and re-apply for one of our new month to month subscription services. Unfortunately this will mean any past Equifax Credit Reports, Credit Alerts and history in your Score Tracker will no longer appear in your secure portal. You can find out more information on monthly subscriptions here. If you would like your free Equifax credit report you get order it here.

Overall consumer credit demand dropped, led by a decline in credit card applications, offset by a slight growth in personal loans.

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The Equifax Consumer Credit Demand Index for September Quarter 2018 shows that consumer credit applications have dropped.

Credit managers increasingly positive, but pressure points remain

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Demand for trade credit is growing but competition is fierce, according to the 2018 National Credit Managers Survey from Equifax

SMEs need to get serious about customer risk

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As any small and medium enterprise (SME) owner knows, risk is a constant factor in business. Changes in a company’s credit profile and internal movements can happen at any time without external parties being made aware, and can leave suppliers exposed.

To mitigate this, businesses can run a credit report on their partners, suppliers or customers in order to gain a better understanding of the risk they pose.

Why SMEs need to know about the PPSR

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For small and medium enterprises (SMEs), protecting your business from unexpected issues, including cash flow hiccups, loss of collateral or loss of trade, is critical.

Understanding the security interests held by your customers’ financiers and suppliers is a key part of keeping your business protected. Similarly, ensuring that the goods you purchase are free of security interests, and registering your own stake in collateral, are essential pieces of the puzzle.

Overall credit demand growth has slowed with some growth in personal loans, yet a decline in credit cards.

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The Equifax Consumer Credit Demand Index for June Quarter 2018 shows that consumer credit applications has slowed.

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