Who can access my Credit File?

Access to your Credit File is governed the Privacy Act 1988 (the Act). This legislation prescribes to whom, and for what purpose, a credit reporting agency can disclose information held in your consumer credit file. The Australian Privacy Principles of the Act governs other types of personal information held by organisations, including Equifax.

In certain circumstances, Equifax can disclose information in your credit information file (consumer credit) to various organisations, such as:

  • Credit providers
  • Mortgage insurers
  • Trade insurers
  • Authorised agents acting on your behalf.

In addition to the above, and subject to certain requirements, commercial credit and public-record information can also be disclosed to organisations that deal with commercial credit-related activities and collect commercial credit debts.

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