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Credit Blog

Credit Blog

Find out more about credit and how you can improve your financial situation to get the things you want out of life

Why have I been declined credit?

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There are number of reasons why a lender may decide to decline your credit application. When you first apply for credit, credit providers such as lenders, phone or utilities companies can check your credit history alongside the information you have provided as part of your application process.

Using credit cards to build your credit profile

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Credit cards can be an excellent way of building a strong credit history, as long as you stay on top of your payments.

How can I improve my credit record?

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For 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.

Protecting yourself against identity theft

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Identity theft can occur to anyone - at its core, it involves the perpetrator masquerading as someone else in order to steal money or access other personal details.

Quick steps to protect yourself from identity theft

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Check out our quick guide to what to do if you are a victim of identity theft.

Maintaining your credit worthiness

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By following these simple steps, you can monitor and maintain your credit reputation.

Amendment No 9 to the Code

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Assure compliance with new regulatory changes.

Understanding your credit file

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Understanding your credit file assists you to make more informed decisions regarding your finances.

Anti-Money Laundering and Countering Financing of Terrorism Act 2009

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The AML/CFT Act introduces new obligations on some companies and these changes come into effect from 30 June 2013.  

1 April 2012 Code Changes

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Amendments 4 and 5 to the Credit Reporting Privacy Code 2004 introduce a number of changes to the current credit reporting regime. 

Consumer Credit Information

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Understand the purposes for which we collect credit information and the purpose for which the information will also be used and disclosed.

PROTECT against identity theft

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Equifax specialises in credit reporting and identity security services. The following information will help you to understand what we can do for you.