If you’ve been denied on an application by a credit provider and they advised that information on your Equifax credit report was a factor the first thing to do is to get a free copy of your Equifax credit report.

If you have been declined credit, you are entitled obtain a free Equifax credit report if you apply within 90 days of being declined.

Once you have a copy of your Equifax credit report you can better understand what information may have contributed to your application refusal.

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


You can use our online form here.

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.

What can be collected in a credit report is strictly regulated by the Privacy Act 1988 (Cth). We calculate the score using private and public information, collected from credit providers and other agencies (e.g. repayment histories, court actions relating to debit and credit, insolvency and ASIC records).

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.

If you have forgotten your password you can click on the Forgot Password link on the login screen for Your Credit and Identity member portal. You will need some identity information and answers to your security questions to reset your password.

How do I reset my password?

It is good security practice to regularly change your passwords. You can reset your password by using the Forgot Password link on the login screen or within the My Account section of the portal.