Equifax Credit Report

The most complete view of your credit history

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Your Equifax Credit Report will likely provide you with the most complete view of your credit history in Australia. This is important as it is what lenders like banks, as well as telephone, electricity and gas companies can refer to when you make an application for a loan, credit card, mortgage or contract for a phone or electricity. Getting your up to date Equifax Credit Report means there are no surprises for you when you apply.

Your Equifax Credit Report will include:

  • Credit rating
  • Key factors impacting your credit rating 
  • Credit products you currently hold
  • Past applications you have made for credit
  • Repayment history (subject to your lender providing this information to Equifax)
  • Overdue debts that you have been listed as a default
  • You can also check if information in your Equifax Credit Report is accurate, and if not, Equifax can investigate any inaccuracies for free

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Optus customers: Received your Equifax Protect code from Optus? Sign up here.

Medibank/ahm customers: Received your Equifax Protect code from Medibank/ahm? Sign up here.


You can order your Equifax Credit Report online, call 13 8332, or mail your request to us at GPO Box 964, North Sydney, NSW 2059. You need to be 18 years of age and over to order a copy of your Equifax Credit Report.

*An individual has the right to obtain a free copy of their credit file from Equifax once every three months, or if their credit application was declined, (the request for a free credit file must be made within 90 days from the date your application was declined), or if the individual has lodged a correction request and is advised that their Equifax credit report has been corrected. 

Once you have requested a copy of your Equifax Credit Report you will usually receive it within one business day, provided we are able to verify your identity. Get it online now