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

Could a poor credit report make it harder to buy a home?

/ credit basics credit report credit repair

A good credit report is important for everything from business funding to mortgage lending. Could a bad credit report stop you from buying your first home?

Is using a credit repair company really worth it?

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Are you thinking of taking on the services of a credit repair company?Ensure you know what free methods are available to you before paying their expensive fees.

3 credit card mistakes that might be adding to your bill

/ credit basics credit repair

Is your credit card debt racking up faster than expected? You could be the victim of one of these three common card-bearer mistakes.

3 things to teach your children about credit awareness

/ credit report credit repair fraud & identity

Are you credit-savvy? What about your kids? Check out these three things that everybody should be teaching their children about credit safety.

What to do if you have been declined credit

/ credit basics credit report credit score credit repair personal finance

If you have been declined credit it can be a frustrating experience. Here are three simple steps you can take to find out why and to make improvements to apply in the future.

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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
  • if you have had an item corrected on your Equifax credit report; or
  • 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:

  • Once every 12 months
  • If their credit application was declined (the free credit file request must be made within 90 days from the date the application was declined)
  • If the individual has lodged a correction request and has been advised that their Equifax credit report has been corrected

If an individual does not meet the criteria, a once-off Equifax credit report is currently available for free.

Please answer these questions below as they relate to the person whose file you are requesting.

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