Credit Blog

Credit Blog

Find out more about credit and how you can improve your financial situation to get the things you want out of life

Reserve Bank of Australia reduces payment surcharges

/ credit report personal finance

New rules from the Reserve Bank of Australia could help you stay on top of your credit card debt through the reduction of credit card surcharges.

How could you damage your credit file accidentally?

Sometimes it's obvious when you've made a mistake and damaged your credit file, but other times it isn't. Could you have accidentally harmed your file?

How to keep your credit file healthy while moving home

/ credit basics credit report

When moving home, an integral step is to make sure you are looking after your credit report. Follow this quick guide to remove potential problems down the line.

What counts as a default on my credit file?

Not every missed payment you incur will appear on your credit file. When should you start being concerned about damaging your report?

How good credit is integral to your retirement

How could good credit be a boon for your retirement? It's time to find out just how a lifetime of good behaviour can pay off in later years.

The 3 stages of using your credit card

Looking to take on a credit card? Have a look at the three stages that you can follow in order to keep your credit file healthy. 

3 myths about your credit report

/ credit basics credit report

There are many mysteries surrounding what affects your credit score. Take a look at these three commonly believed myths that could catch you out.

Understanding your Equifax credit report

/ credit basics credit report

Your credit report is one of your greatest assets. Find out what is included on your Equifax credit report and some descriptions of key information.

When should you teach your children about credit reports?

Financial illiteracy is a terrible trait: Have you taken the opportunity to teach your children about the importance of a solid credit report? 

3 ways your identity could be stolen (and how to avoid it)

Are you safe from identity thieves? Check out these three ways you could have your identity stolen - and how to defend against them.

3 budgeting pitfalls that no one avoids

How is your 2016 budget going so far? Here are a few handy tips and tricks to avoid common pitfalls that nearly everyone encounters.

What goes into a personal credit report?

/ credit basics credit report

Do you know what your credit report contains? Here we outline what is included in a personal credit report.

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An individual has the right to obtain a free copy of their credit file either personally or through an Authorised Access Seeker in the follow circumstances:

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  • If their credit application was declined (the free credit file request must be made within 90 days from the date the application was declined)
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If an individual does not meet the criteria, a once-off Equifax credit report is currently available for free.

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