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

Should I get a credit card?

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Responsible use of a credit card without an outstanding balance or a series of late payments can act as an endorsement for future credit.

How your monthly repayments matter to your credit file

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Monthly repayments on credit accounts like personal loans, mortgages and your credit card minimum balance can all be recorded on your credit file. 

Using credit cards to build your credit profile

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Credit cards can be an excellent way of building a strong credit history, as long as you stay on top of your payments.

Protecting yourself against identity theft

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Identity theft can occur to anyone - at its core, it involves the perpetrator masquerading as someone else in order to steal money or access other personal details.

Consumer fraud: what do I need to know?

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Consumer fraud is defined as any fraudulent or intentionally misleading business practice, and it can have a significant impact on those whose information it targets.

Why have I been declined credit?

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There are number of reasons why a lender may decide to decline your credit application. When you first apply for credit, credit providers such as lenders, phone or utilities companies may check your credit history alongside the information you have provided as part of your application process.

How can I improve my credit record?

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For anyone juggling payments and bills from various essential service providers, from electricity and phone connections to rent or a mortgage, getting on top of their credit score may feel like a looming goal. However, with a few changes, you can begin to repair an unfavourable credit report.

Understanding the new credit reporting system

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Comprehensive credit reporting changes mean consumer credit reports can now include ‘positive’ credit information such as if you make your credit card and loan repayments on time. Previously personal credit files could only hold ‘negative’ information like credit enquiries (applications) and defaults. 

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You can get a free copy of your personal Equifax credit report:

  • if you have been declined credit in the last 90 days; or
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  • once every 12 months.

If you do not meet the criteria, a once-off Equifax credit report is currently available for free.

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An individual has the right to obtain a free copy of their credit file either personally or through an 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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