The password to access your credit report via My Credit File is your date of birth.
If you have received an alert you should first check if the alert received is in relation to a credit application that you may have recently submitted or if it relates to an existing facility in your name. If it isn’t, it could be that someone else is trying to apply for credit using your identity details. In this case you should inform the credit provider immediately.
For other alerts you may wish to get an updated copy of your credit report to check the details.
Yes. You can contact Equifax to obtain a copy of your free Equifax credit report where:
- Your credit application was declined. The request for a free credit file must be made within 90 days from the date your application was declined;
- You have lodged a correction request and have been advised that information on your file has been corrected; or
- You can request a copy of your free credit report once every 12 months.
You can order a free copy of your credit file in the following ways:
- Click here to order online;
- Call us on 13 8332 and follow the prompt; or
- Mail your request to us at GPO Box 964, NORTH SYDNEY NSW 2059.
The information held on your Equifax credit report is provided to Equifax by credit providers, like banks, phone and utility companies as part of an application process for consumer or commercial credit or as part of their ongoing management of your account. In addition to this, Equifax obtains writs and judgement information from third parties like the courts, personal insolvency information from AFSA and directorship information from ASIC.
Your credit report contains a summary, which is a good place to start. Here you will see a total of credit enquiries, any accounts you have, overdue accounts and details of commercial credit you may have. You can then review this information in more detail. If you find something that is inaccurate you can have it investigated. You can either contact the credit provider the information relates to using a handy list of creditor contacts or contact Equifax using our corrections process.