Ready to step into the world of business, but have a bad credit report that's holding you back? Don't fret - this guide will help you through the process.
Do you know exactly how much money you spent at Christmas, and what it was on? Australians spent a lot on their credit cards, but should you?
Are you an Authorised Access Seeker, such as a broker, financial counsellor, debt management company or financial counsellor who has authorisation to access an Equifax credit report on behalf of an individual? If so, you can order an Equifax credit report on behalf of your client.
An individual has the right to obtain a free copy of their credit file from Equifax 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, and once every 12 months.
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).
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).
Help to navigate financially in a global pandemic
The COVID-19 pandemic has brought much uncertainty to our daily lives. It has changed the way we work, go to school and socialise. The health of our families and communities are a priority for Equifax, as well as helping consumers understand and manage their credit profiles during this time. For many people COVID-19 has meant a change to their employment, income or business and this has put pressure on the ability to make ends meet and repay financial commitments.