Terms & Conditions

Equifax Credit Report Terms and Conditions
If you are ordering a copy of your Equifax credit report, paid or free these Terms and Conditions apply.

My Credit Alert Terms and Conditions
From 30 November 2018 My Credit Alert is no longer available to new customers. Existing customers can view the Terms and Conditions here.​

Authorised Access Seeker Terms and Conditions
If you are an Authorised Access Seeker and have authorisation to access an Equifax credit report on an individual’s behalf please view the Terms and Conditions here.

Equifax Credit and Identity Products Terms and Conditions (effective 30 November 2018 for new subscriptions)
If you are a customer of Equifax’s personal credit and identity products including a free or once off Credit Report or monthly subscription plan, namely Equifax ID Basic, Equifax Premium or Equifax Ultimate, you can find your Terms and Conditions here.

Business Credit Alert - Terms of Supply
If you are a business customer and have a Business Credit Alert subscription you can view the Terms of Supply here.

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Thanks for choosing Equifax!

To make sure you are accessing the right product, we need you to answer the following questions.

You can get a free copy of your personal Equifax credit report:

  • if you have been declined credit in the last 90 days; or
  • if you have had an item corrected on your Equifax credit report; or
  • once every 12 months.

If you do not meet the criteria, a once-off Equifax credit report is currently available for free.

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Great news!

You are eligible for a free Equifax Credit Report.

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Thanks for choosing Equifax!

An individual has the right to obtain a free copy of their credit file either personally or through an Authorised Access Seeker in the follow circumstances:

  • Once every 12 months
  • 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

If an individual does not meet the criteria, a once-off Equifax credit report is currently available for free.

Multipage

Great news!

Your client is eligible for a free Equifax Credit Report.