What is an Equifax credit score?

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Your  Equifax Score is a summary of your credit information held by Equifax and indicates how finance and utility providers may view you when applying for credit. It is derived from information held on your credit report as held by Equifax when the score is requested. The Equifax Score is a number between 0-1200 and in simple terms, the higher your Equifax Score, the better your credit profile and the a lower credit risk.

How do I ban my Equifax credit report?

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Please click here to place a ban on your Equifax credit report.

The initial ban period is for 21 days, but can be extended upon your written request if there are reasonable grounds.

If you are concerned about your identity being stolen it is important that you place a ban on your credit report with each credit reporting body in Australia.

How do I cancel my Equifax subscription?

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We are sorry you want to leave us! If you would like to cancel your annual subscription you can do so in one of two ways: 

Phone 

Please call us on 13 8332 (select option 2). 

Online 

Go to https://www.equifax.com.au/contact. Complete the personal Contact us form, selecting 'Cancel my personal Equifax subscription plan' in the 'I would like to...' menu. Your subscription will be cancelled within one business day and confirmation sent to you by email.

What do I do if I’ve forgotten my username/password?

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What if I’ve forgotten my username or password?

Your username is the email address you used to sign up to the service. If you have forgotten your username please contact us or call us on 138 332.

There is a mistake on my Equifax credit report. How do I fix it?

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If you believe there is incorrect or incomplete information on your Equifax credit report, it is important that you get this corrected. The information used to generate a credit report is provided by credit providers to Equifax, which include banks, phone and utility companies.

What if I don’t have a credit history?

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There are a number of reasons why you may not have a credit history:

What is a default?

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A default is also known as an overdue debt. There are two types of defaults; consumer and commercial payment defaults.

Consumer payment default - A consumer payment default can be reported by a credit provider and listed on your credit report if you have an overdue debt of equal to, or more than $150 and it is more than 60 days overdue. For example, if you have a mobile phone bill of over $150, and it was due more than 60 days ago, it could be listed on your credit report as a payment default by the phone company.

What goes into a credit report?

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In your credit report you will find information about your history with credit. Your credit report is divided into a number of sections:

Personal information / Identity details

This includes information like your name, date of birth, names you may be also known as, address history as well as your driver’s licence number and employment history.

Consumer credit information

The consumer credit information section includes:

Can I upgrade my subscription?

Yes, to upgrade your annual Equifax subscription simply go to our product upgrade page or use the upgrade button next to your login details in the page header of your online account.

Can I downgrade my subscription?

Yes, you can do this by calling us on 138 332.

What is your refund policy?

If you cancel before your subscription period ends you will be entitled to a pro rata refund of the part of the subscription fee paid by you that relates to the unused portion of your subscription.

For more information see our Your Credit and Identity Terms and Conditions.

Trending Questions

Phone:

You can call us on 138 332 (select option 2).

Online:

You can use our online form here.

We are sorry you want to leave us! If you would like to cancel your annual subscription you can do so in one of two ways: 

Phone 

Please call us on 13 8332 (select option 2). 

Online 

Go to https://www.equifax.com.au/contact. Complete the personal Contact us form, selecting 'Cancel my personal Equifax subscription plan' in the 'I would like to...' menu. Your subscription will be cancelled within one business day and confirmation sent to you by email.

If you cancel before your subscription period ends you are entitled to a pro rata refund of the part of the subscription fee paid by you that relates to the unused portion of your subscription. For more information see our Your Credit and Identity Terms and Conditions.

How do I update my email address?         

It is important your email address is up to date to receive the full benefits of your Equifax service, in particular any credit or identity alerts and regular product updates.

Please contact us or call us on 138 332 to change your email address.

How do I update my credit card information?

If you need to update the credit card details you use to pay for your Equifax subscription you can call our contact centre on 138 332.

How do I unsubscribe from marketing emails?

You can choose to opt out of marketing emails when you first sign up to the Your Credit and Identity service.

If you are an existing member you can opt out of receiving marketing emails by clicking the "unsubscribe" link in the footer of emails you receive, or by contacting us on 138 332.

Trending Questions

Phone:

You can call us on 138 332 (select option 2).

Online:

You can use our online form here.

We are sorry you want to leave us! If you would like to cancel your annual subscription you can do so in one of two ways: 

Phone 

Please call us on 13 8332 (select option 2). 

Online 

Go to https://www.equifax.com.au/contact. Complete the personal Contact us form, selecting 'Cancel my personal Equifax subscription plan' in the 'I would like to...' menu. Your subscription will be cancelled within one business day and confirmation sent to you by email.

If you cancel before your subscription period ends you are entitled to a pro rata refund of the part of the subscription fee paid by you that relates to the unused portion of your subscription. For more information see our Your Credit and Identity Terms and Conditions.

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