Overview
Overview
Perhaps you are looking to apply for credit, you’ve recently been denied credit or you might just be worried about keeping your identity safe.
We've bundled our Equifax credit reports, scores and alerts together with information and identity protection into cost efficient plans, suited to individual needs.
Whatever your concerns, our free Equifax credit reports* and paid monthly subscription plans can help you make better decisions about credit to get the things you want with confidence.
Compare our range of free credit reports and paid monthly subscription plans
If you are an Authorised Access Seeker such as a credit repairer, financial counsellor, broker or third party accessing an Equifax Credit Report on someone’s behalf, you can only request Equifax Credit Reports through our My Credit File website here.
For existing customers on an annual subscription product click here.
Equifax Free Credit Report
Equifax Free Credit Report*
You can get a free copy of your personal Equifax credit report provided you have:
- been declined credit in the last 90 days; or
- had an item corrected on your Equifax credit report; or
- once every 12 months
You can also order your credit report over the phone on 138332, or mail your request to us at GPO Box 964, NORTH SYDNEY NSW 2059.
Equifax Credit Report - Currently Free
If you don’t meet the criteria for a free Equifax credit report you can get a once-off credit report for $6.95 (currently available for free).
We will ask you the eligibility criteria for a free Equifax credit report to ensure we are delivering you the right product.
Equifax ID Basic
$4.95 / month- 1x Credit report per year
- Credit Alerts
- Identity Watch
- Identity Guard Insurance^
Equifax Premium
$9.95 / month- 4 Credit reports per year
(1 each quarter) - Credit Alerts
- Monthly Equifax Score
- Top 4 Equifax Score Contributing Factors
- Equifax Score Tracker
Equifax Ultimate
$14.95 / month- 12 Credit reports per year
(1 each month) - Credit Alerts
- Monthly Equifax Score
- Top 4 Equifax Score Contributing Factors
- Equifax Score Tracker
- Identity Watch
- Identity Guard Insurance^
Subscription products: 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.
Need help to understand credit reporting or scores? Been denied credit, need to make a correction or place a ban on a credit report. Find answers and support in our Help Centre.
Learn more about credit and identity
Your free Equifax credit report*
Find out what credit information lenders can see from Equifax. As Australia's leading credit information company, we provide you with the most comprehensive credit report available from a credit bureau. Knowing what is on your Equifax credit report can help you better manage your credit profile.
Know where you stand
Find out your Equifax Score and get a better indication of how some lenders may view you. Some lenders and other credit providers like utility and phone companies may use Equifax credit scores as one part of their assessment process. A credit score is one indicator of your credit risk. A higher credit score is considered better as it indicates lower risk. It is important to note that credit scores are dynamic and dependent on the time and circumstances in which the score is calculated.
Improve your credit profile
Knowing the positive and negative impacts on your Equifax Score and monitoring it over time may help improve your credit profile. If you’re thinking about applying for credit, you should consider getting your credit profile in top shape. Your future self will thank you for it!
Protect your identity
More than 1 in 5 Australians have been impacted by identity theft.* The reality is that identity theft can be a stressful, time-consuming and costly experience, and often people don’t realise it has occurred until it's too late. Detect and protect yourself against identity theft and if things go wrong we’re here to help.
*Source: Cybercrime and Fraud Report Annual Research 2017, Equifax, November 2017
