Assist your clients with a copy of their Equifax credit report to help them manage their credit profile, help with loan rejection or correct any inaccuracies on a report.
What is an Authorised Access Seeker?
Credit reports requested by Authorised Access Seekers are free. Eligibility criteria apply.*
You can order your report online, call 138 332, or mail your request to us at GPO Box 964, North Sydney, NSW 2059.
*An individual has the right to obtain a free copy of their credit file from Equifax once every three months, or if their credit application was declined, (the request for a free credit file must be made within 90 days from the date your application was declined), or if the individual has lodged a correction request and is advised that their Equifax credit report has been corrected.
If an individual does not meet the criteria, a once-off Equifax credit report is available for the cost of $6.95 (currently available for free).
Once you have requested a copy of a free Equifax credit report you will usually receive your client’s credit report within one business day, provided we are able to verify their identity.
What is an Authorised Access Seeker?
An Authorised Access Seeker is an individual in relation to their own credit reporting information, or a person (including a company) who is assisting an individual to deal with a credit reporting body or credit provider and acting on a written authority from the individual.
Types of Authorised Access Seekers may include:
- Consumer debt management companies including credit repair and debt negotiation companies
- Finance or mortgage brokers
- Budgeting and financial education firms, such as a financial counsellor
- Individuals are also referred to as Authorised Access Seekers in relation to their own credit reporting information. If you are a consumer wishing to access your credit report please view our range of Equifax free credit reports and paid subscription packages here.
Note: Credit providers, mortgage and trade insurers are not Authorised Access Seekers. Not all organisations who fall into the above categories may be Authorised Access Seekers, and there are other restrictions under the Privacy Act 1988 (Cth) on who qualifies as an Authorised Access Seeker. It is up to each organisation to determine their status. An Authorised Access Seeker must satisfy the Authorised Access Seeker criteria in each occasion they seek access to an individual’s credit report
Features & benefits
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Application or loan rejection
Help your client with application refusal
If your client has received a rejection notice from a credit provider based on credit information from Equifax you can help with a copy of an Equifax credit report. With a copy of an Equifax credit report you can see past applications your client has made for credit, repayment history (subject to the lender providing this information to Equifax) as well as overdue debts that have been listed as in default. You and your client can also check if this information is accurate, and if not, Equifax can investigate any inaccuracies for free.
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Credit report correction
Help your client correct any inaccuracies
With a copy of a client’s credit report you can review the details including credit enquiries (applications for credit) and payment defaults to ensure they are correct. If there is an item which your client believes is inaccurate or would like to have corrected you can contact the relevant credit provider or Equifax can help investigate.
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Help your client find out what is on their Equifax credit report
Not all credit reports are the same.
As Australia’s leading consumer credit bureau a credit report from Equifax is likely to provide the most comprehensive view of an individual’s credit history. This is important as it is what lenders like banks, as well as phone, electricity and gas companies can refer to when an individual makes an application for a loan, credit card, mortgage or contract for a phone or electricity. Getting an up to date Equifax credit report means there are no surprises later down the track.