If you believe you have an error on your report, there are a few steps you can take to have it removed.

1. Contact the credit provider

If the error relates to a credit facility that you have or have applied for, you should contact the supplier or credit provider such as the bank, telco or utility company that the error relates to.

Your Equifax File Number used in disputes is located in the footer on the bottom line of your credit report.

Court actions are updated weekly and monthly, depending on the information provided by the court. This can be different depending on the different courts around Australia.

In the instance where you feel court information is still incorrectly listed on your file please use our corrections dispute form.

Please refer to our Privacy Policy for more information.

Visit the Xero or SwiftCheck websites for more information.

No. This is available to all Xero users with access to contacts in Australia and New Zealand.

Live Contacts are powered by Equifax, one of the leading providers of credit information and analysis in Australia and New Zealand. Equifax sources the Credit Risk Indicator information from multiple sources such as commercial credit accounts and other debts, public record information, court judgements and writs, directorship details, proprietorship details, bankruptcies, debt agreements and personal insolvency.

Equifax is supplying this information to Xero to help small businesses make better decisions about who and how to supply credit when dealing with their business customers. This information has been used by lenders and big banks to help them make lending decisions, and is now being made more widely available. 

The credit information that we supply has been simplified for small businesses, and is available as a credit report through SwiftCheck.

Live Contacts are powered by Equifax, one of the leading providers of credit information and analysis in Australia and New Zealand. Equifax sources the Credit Risk Indicator information from multiple sources such as ASIC, ABN Register, Credit Providers, Courts, Bankruptcy etc. This information relates to companies and businesses only.  It does not contain information about a persons’ personal credit such as a mortgage or a credit card.

A credit risk indicator is visible within Xero’s Live Contacts and is a predictor of the likelihood of a business or company to record an adverse event on their credit file within the next 12 months.

The credit risk indicator is separated into five bands from Very High risk (Red) to Very Low risk (Dark Green) depending on the information contained on a business’ credit file.