What to do if you have been declined credit
January 2016If 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.
How can I improve my credit record?
April 2015For anyone juggling payments and bills from various essential service providers, from electricity and phone connections to rent or a mortgage, getting on top of their credit score may feel like a looming goal. However, with a few changes, you can begin to repair an unfavourable credit report.
How inaccuracies could damage your credit report
July 2016Could you have bad credit because of a mistake? We take a look at some common errors, and what you can do to get them corrected as quickly as possible.
Could a poor credit report make it harder to buy a home?
November 2016A 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?
Equifax Credit Report (Authorised Access Seeker)
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 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).
COVID-19 & Credit
May 2020Help 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.