Why does my Equifax Credit Score change?

Your Equifax Credit Score is calculated based on the information on your Equifax Credit Report at a point in time. As the information on your Equifax Credit Report changes so will your Equifax Credit Score.

Your Equifax Credit Report is updated as your repayment history information on accounts is updated each month and as other information is added or removed from your Equifax Credit Report. Information from credit providers can include credit enquiries (resulting from credit applications you’ve made) and overdue debts. It can also include publicly available information such as default judgements, court writs and Bankruptcy Act information.