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For the full details of what is included in our Identity Guard Insurance please review the Identity Guard Insurance Policy Information Booklet. A summary of items covered is included below:

These are the areas of cover we provide to certain members in the event their identity is stolen, with cover up to $15,000^:

• Legal expenses
• Lost wages
• Outstanding fraudulent debts
• Document product/application submissions to relevant parties
• Key and/or lock replacement
• Travel related expenses

^Terms, conditions, exclusions and limitations apply. See the Identity Guard Insurance Policy Information Booklet for details.

From 30 November 2018 Equifax will no longer offer annual subscription product plans to new customers. If you are an existing customer on an annual subscription you may notice some differences in our annual and monthly plans with the same name. An Equifax ID Basic annual subscription (which differs from an Equifax Basic annual subscription) includes Credit Alerts, identity watch (cyber monitoring), and Identity Guard Insurance^. An Equifax ID Basic monthly subscription offers all of these plus a credit report once a year.

^Terms, conditions, exclusions and limitations apply. See the Identity Guard Insurance Policy Information Booklet for details.

From 30 November 2018 Equifax no longer offers annual subscription product plans to new customers. If you are an existing customer on an annual subscription you may notice some differences in our annual and monthly plans with the same name. An Equifax Premium annual subscription offers identity watch (cyber monitoring) and Identity Guard Insurance^. An Equifax Premium monthly subscription does not offer these two features. There is no change to the services that are included in your current plan unless you decide to switch to a monthly subscription. If you are considering a monthly subscription plan with equivalent options to the Equifax Premium annual subscription plan please check out the Equifax Ultimate monthly subscription. 

^Terms, conditions, exclusions and limitations apply. See the Identity Guard Insurance Policy Information Booklet for details.

From 30 November 2018 annual subscription product plans, Equifax Basic, Equifax ID Basic, Equifax Plus and Equifax Premium will no longer be offered to new customers by Equifax. Existing customers of these products can still access their subscription by logging into the secure portal.

We now offer new monthly subscription plans - Equifax ID Basic, Equifax Premium and Equifax Ultimate.

Please note that there are differences to the features of the Equifax ID Basic and Equifax Premium monthly and annual subscription products. An Equifax ID Basic annual subscription (which differs from an Equifax Basic annual subscription) includes Credit Alerts, identity watch (cyber monitoring), and Identity Guard Insurance^. An Equifax ID Basic monthly subscription offers all of these plus a credit report once a year. An Equifax Premium annual subscription offers identity watch (cyber monitoring) and Identity Guard Insurance^. An Equifax Premium annual subscription offers identity watch (cyber monitoring) and Identity Guard Insurance^. An Equifax Premium monthly subscription does not offer these two features. There is no change to the services that are included in your current plan unless you decide to switch to a monthly subscription.

^Terms, conditions, exclusions and limitations apply. See the Identity Guard Insurance Policy Information Booklet for details.

You can also get your Equifax credit report for free here.

If you have an annual subscription for one of our Your Credit and Identity services and would like to switch to a monthly subscription you will need to cancel your existing membership and re-apply for one of the monthly subscription plans. Unfortunately this will mean any history in your Equifax Score Tracker for the Equifax Plus and Equifax Premium annual subscription plans will no longer appear.

Yes. You can contact Equifax to obtain a copy of your free Equifax credit report where:

• Your credit application was declined. The request for a free credit file must be made within 90 days from the date your application was declined;
• You have lodged a correction request and have been advised that information on your file has been corrected; or
• You have not requested a copy of your free credit report in the previous 12 months.

You can order a free copy of your credit file in the following ways:

1. Click here to order online;
2. Call us on 13 8332 and follow the prompt; or
3. Mail your request to us at GPO Box 964, NORTH SYDNEY NSW 2059.

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).

Once you have requested a copy of your free Equifax credit report or a Your Credit and Identity subscription you will receive your credit report within one business day, provided we are able to verify your identity.

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 shop online or share your information on social media it is a good idea to take steps to help protect your personal information. We’ve got a great checklist, called ‘PROTECT' that you can follow to help protect yourself and your family from identity theft.

Post

• Reduce the risk of postal fraud by installing a secure mailbox.
• Arrange for your mail to be held at the post office whenever you go away. If you are moving house, arrange for your mail to be forwarded and let companies such as banks, credit card and utility companies know your new address.
• After you've read important documents and no longer need them, shred them before throwing them out.

Review

• Check your bank accounts each month and investigate any suspicious activity, such as small payments to unknown companies or people.

Online

• Don’t reveal passwords and personal identification information online, such as your birth date, full name, mother's maiden name or your phone number.
• If you use social media sites like Facebook, make sure your privacy and security settings are updated so only ‘friends’ can access your page.

Track

• Regularly check your credit file and register for Equifax’s Credit Alert service, which notifies you when certain changes are made to your credit file.
• Consider an Equifax ID Basic or Premium subscription which includes our cyber monitoring feature, Identity Watch. If your personal information is found to be compromised online you will be alerted.

Eliminate

• Shred paperwork containing personal information or account details, including bank and credit card statements, phone and energy bills.

Computer

• Always use secure sites when paying for purchases or transferring money online.
• Install security software and keep it updated to protect your computer from hackers, scammers and viruses.
• Never open any attachments from unreliable sources, or unusual messages or files from people you don’t know.

Tell

Immediately inform your credit providers if you notice any suspicious activity in your financial accounts.

Via email. We will never put your personal details in the email – it will just be an alert asking you to quickly log in and see what is going on. And then we can work together on ways to stop your identity being compromised any further.