Our My Credit Alert service credit alerts are delivered to you via email. There is no need to log in to manage your details.
If you have an annual subscription to the My Credit Alert service, your alerts will be sent to the email address you supplied when you signed up for the service.
If you would like to change the email address for your alerts, please contact us or call 13 8332.
Or you can login at the Equifax site to manage your annual subscription to any of these Equifax personal credit and identity products:
New research has indicated that Australians are paying off their credit cards faster than they are accruing in new transactions.
Your credit score (Equifax Score) is a number between 0-1200 that summarises the information on your credit report.
Your credit score is calculated based on the information held on your credit report at a given point in time.
Generally, the higher your credit score, the better your credit profile. Banks and other lenders can use credit scores to as part of determining whether an applicant qualifies for a loan. Your credit score can also play a part in the terms of the loan including the borrowing limit and the interest rate.
My Credit File from Equifax does not include a credit score.
You can visit Equifax and choose from a range of products that include your credit report, credit score and additional features to help manage your credit profile and protect your identity.
Find out more about Credit Reports, Scores and Credit Alerts.
You can also get a copy of your Equifax credit report for free.
The Equifax My Credit Alert service is no longer offered to new customers (If you’re an existing My Credit Alert customer find out more here). If you’re looking for a credit alert service you may consider one of our other subscription services which offer a credit alert.
Equifax ID Basic – An identity theft protection and detection service to help you safeguard your identity. Get credit alerts which monitor certain changes to your Equifax credit report, identity monitoring to detect if your personal details are being traded on the dark web and Identity Guard insurance in the event you have been the victim of identity theft.
Equifax Premium – Get on top of your credit profile and protect your identity. Keep track of your Equifax credit report and Equifax score. You’ll get your Equifax credit report quarterly, Equifax Score monthly along with an Equifax Score Tracker and the top four contributing factors. And then there’s credit monitoring through alerts to help protect your credit reputation.
Equifax Ultimate – Proactively manage your credit profile with a monthly Equifax credit report and Equifax score with our most comprehensive credit and identity consumer subscription plan. Find out the key factors that impact your Equifax Score and track it over time. Plus help safeguard your identity with credit alert and identity monitoring. We’ve also got you covered with Identity Guard Insurance.
Free credit report - You can get a free copy of your personal Equifax credit report provided you have:
- been declined credit in the last 90 days; or
- had an item corrected on your Equifax credit report; or
- not applied for a credit report during the previous 12 months
If you don’t meet the criteria for a free Equifax credit report you can get a once-off credit report for $6.95 (currently available for free).
From 30 November 2018 the Equifax My Credit Alert service is no longer offered to new customers.
If you’re an existing customer you will still receive the benefits of ongoing credit alerts via email when certain changes occur on your Equifax credit report, as well as a copy of your Equifax credit report once a year. This service is automatically renewed each year for the cost of $79.95. You can cancel at any time and receive a pro-rata refund for the number of full months remaining of your subscription as at the date of termination. The terms and conditions for the My Credit Alert services are available here.
If you’d like to upgrade to one of our monthly subscription product packages where you can access your credit report, get credit alerts and more within a secure online portal you can find out more at Equifax.com.au.