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from identity theft
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if your credit report changes*
*Alerts are a feature of the My Credit Alert product
Apply for credit
with confidence
200 ,000+ people use My Credit File each year
to help protect and manage their
credit reputation
to help protect and manage their
credit reputation
How we can help you
As Australia’s leading and most comprehensive credit information company, we provide you with the most complete record of your credit history. Find out what lenders see and better manage your credit reputation.
Personal Products & Services
My Credit Alert
Need your credit report now? Subscribe to My Credit Alert for:
- Your credit report within minutes
- See what banks and lenders see
- Alerts to certain changes on your credit report for 12 months
- Guard against identity theft
My Credit File
Don't need your credit report right away? You may be eligible for a free credit report*.
- Dispatched within 10 days
- See what banks and lenders see
*You have a right to obtain a free copy of your credit file from Equifax if your credit application was declined (your free credit file request must be made within 90 days from the date your application was declined), if you have lodged a correction request and have been advised that your file has been corrected, and once every 12 months.
Free Credit Repair
Have you found an error on your personal credit report? We will investigate it for FREE.
Business Products & Services
Business Credit File
Get insights into how lenders view your business when applying for credit.
- Access to credit report in 1 business day
- Know your business' credit history
- See what your lenders and suppliers see
Business Credit Alert
Find out how lenders view your business and protect against fraud.
- Access to credit report in 1 business day
- Credit alerts for 12 months
- Guard against credit fraud
Business Credit Repair
Is something not right on your business credit report? We will investigate it for FREE.
Did you know?
39%
of Aussies expect a better deal based on their credit history
1 in 4
Australians claim to have been a victim of identity theft
20 million
credit active individuals are on the Equifax bureau
Blog
3 mistakes to avoid when you're paying off debts
Have you got debt hanging over your head? Paying it off takes time and patience - don't rush it and make one of these dire mistakes.
Are you doing credit card management all wrong?
Whether you need to fund an overseas trip, renovate your property, pay for school fees or just make ends meet, you’ll probably need to sign up for a credit card at some point in your life (if you haven’t already).
What is a credit enquiry?
If you make an application for credit, it can be listed on your credit report as a 'credit enquiry'. Credit enquiries can have an impact on whether a lender accepts your application or not.
What is the role of a credit bureau?
A credit bureau helps to support responsible lending and assists consumers in understanding where they stand with their credit. Operating under the Privacy Act, a credit bureau collects, holds, uses and discloses personal and credit-related information about individuals and companies.
Saving for your wedding with a bad credit report
Are you trying to save for a wedding but finding it tough due to bad debts hanging over your head? It'll pay to sort your finances before you set a date for the big day.
Choosing a credit card deal that works for you
Thinking about applying for a credit card? It'll pay to choose the right deal for your needs and financial situation, not just the first one you come across.