We’ll create a credit file when we first receive information about you, such as an enquiry you made to a credit provider such as a home loadn or credit card, a business directorship, or default judgement information.
Read MoreUnder the 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 your home loan or credit card on time.
Read MoreA Credit File is made up of three parts: Consumer Credit, Commercial Credit and Public Record information. It's important to understand each fo these elements in amanging your credit profile.
Read MoreIf you shop online or share your information on social media it is a good idea to take steps to help protect your personal information. Equifax has a checklist called 'PROTECT" that you may want to consider.
Read MoreYour Equifax Credit 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 such as a home loan.
Read MoreA good Equifax Credit Score can help give you confidence to to help negotiate a better deal from a lender. If you're applying for credit it's important to understand your Equifax Credit Score.
Read MoreYour Equifax Credit Score is displayed as a number as well as a percentile range, showing where your Equifax Credit Score sits in relation to other credit-active Australians held in our credit reporting database.
Read MoreUnderstanding your Equifax Credit Score can give you a better indication of how lenders view you when applying for credit. Your Equifax Credit Score is a credit rating between 0-1200.
Read MoreCredit and Identity Guard Insurance from Equifax supports you if you’ve become a victim of identity fraud. This can help you with the cost in restoring your identity.
Read MoreIdentity theft is a type of fraud which involves stealing money or gaining other benefits by pretending to be someone else. Identity theft can happen in many ways.
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