You are entitled to access any credit information that we hold about you. When applying for access please provide us with sufficient data to enable us to verify your identity. Please note; where we are unable to verify your identity we may ask you for additional information before we can provide you with your credit file. This is to protect you from identity fraud.
You are entitled to get a copy of your credit report for free (to be supplied within 10 business days) or if you require this more quickly for a modest amount (to be supplied within 3 business days).
In addition, Equifax does offer other services. All services are set out below and described in detail on our products page.
- My Credit File - Your credit file will be dispatched to you within 10 business days, free of charge. You can request your credit report online or download an application form.
- My Credit File Express – Your credit file will be dispatched to you within three business days, for $9.95 inclusive of GST.
- My Credit Alert – For a 12 month subscription receive an email alert whenever certain changes occur on your credit file. This includes new credit enquiries which could alert you to potential fraud. You will also receive your credit report, dispatched to you within one business day for $59.95 per year inclusive of GST.
Please note that you may only request a copy of your own personal credit file. Find out more about these services.
* Equifax Score Ratings are not provided when any insolvency information is present on your credit file. Insolvency information remains on your credit file for four years from the date of discharge.
From 1 July 2019 your Equifax Score Rating is included with all credit reports ordered from My Credit File.
Prior to this date, a score may not have been included.
Equifax Score Rating is a service where all of the information on your credit file is evaluated to produce a single score out of 1,000. When you apply for credit, this rating is calculated at the time of application by a mathematical equation which analyses multiple types of information from your credit file, and then compares this information to the patterns of a vast number of past credit files.
The Equifax Score Rating estimates your level of future credit risk and your ability to repay the amount that you will owe. Credit providers and other companies who have the authority to access your credit file in accordance to the Credit Reporting Privacy Act 2020 can use your Equifax Score Rating to assess your intention and ability to make payments.
The ability to quickly, fairly and consistently consider all of this information, including the relationships between different types of information, is what makes credit scoring so useful.
Your Equifax Score Rating is included with your credit report.
Note: We do not score credit files where insolvency information is present.
Your Equifax Score Rating is based on all the information in your credit file, including any credit account information providers by eligible Comprehensive Credit Reporting contributors, and is designed to give an individual the most complete view of all the information we hold.
Some credit providers may not be eligible to receive some, or all your credit account information due to Comprehensive Credit Reporting reciprocity agreements. This will impact the score provided to a particular credit provider.
As scores are generated at the point of enquiry, they can change even in a short period of time as your credit file is updated, including each time a credit provider makes an enquiry.
The nature of a specific enquiry can also impact the score returned. The score returned for a mortgage application may not be the same as that returned for a credit card application, for example.