Once you have requested a copy of your free Equifax credit report or a My Credit Alert subscription you will receive your credit report within one business day, provided we are able to verify your identity.
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).
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 Identity Protect – An identity theft protection and detection service to help you safeguard your identity. Detect if your personal details are being traded on the dark web with Identity Guard insurance in the event you have been the victim of identity theft.
Equifax Credit Protect – 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 monthly, 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.
Credit & Identity Protect – 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).
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
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.
Terms & Conditions: Equifax Credit Report for authorised Access Seekers
November 2021You are dealing with Equifax