Frequently asked questions
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Equifax powers the financial future of individuals and organisations around the world. Using the combined strength of unique trusted data, technology and innovative analytics, Equifax has grown from a consumer credit company into a leading provider of insights and knowledge that helps its customers make informed decisions. The company organises, assimilates and analyses data on more than 820 million consumers and more than 91 million businesses worldwide, and its database includes employee data contributed from more than 6,600 employers.
Headquartered in Atlanta, Ga., Equifax operates or has investments in 24 countries in North America, Central and South America, Europe and more recently in the Asia Pacific region, with the acquisition of Veda, a data analytics company and the leading provider of credit information and analysis in Australia and New Zealand. Combined the companies bring nearly 170 years of data and insights experience to the marketplace.
Equifax is a member of Standard & Poor's (S&P) 500® Index, and its common stock is traded on the New York Stock Exchange (NYSE) under the symbol EFX. Equifax employs approximately 9,400 employees worldwide.
Established in New Zealand as Baynet in 1971, Veda was a data analytics company and the leading provider of credit information and analysis in Australia and New Zealand.
In February 2016, Veda was acquired by Equifax, a global leading provider of insights and knowledge that helps its customers make informed decisions.
Headquartered in Atlanta, Ga., Equifax operates or has investments in 24 countries in North America, Central and South America, Europe and more recently in the Asia Pacific region, with the acquisition of Veda. Combined the companies bring nearly 170 years of data and insights experience to the marketplace.
The PDF attachment is designed for viewing through your computer. Some mobile devices are not compatible with password protected PDF files.
To open your credit file you may need a PDF reader app which can be downloaded from your app store.
The PDF app may provide the ability to open password protected PDFs. There are various apps available depending on mobile operating system.
Please visit your app store to determine which app is best for you.
Your file contains important personal information that should not be accessed by anyone else without your permission.
In order to help keep this information secure, Equifax has password protected the file.
If you cannot open the PDF, you may need to download Adobe Reader and install on your computer - it's free.
Below is a sample of what an alert may look like:
My Credit Alert: Activity has occurred on your Credit File.
Below is additional information we received for your credit file you have requested us to monitor.
If you have any questions regarding this information please do not hesitate to contact our Personal Information Team on 0800 692 733 (MYCREDITINFO).
Hits to Date:
REASON: (i.e. Consumer inquiry etc.)
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 Code 2004 (the Code) can use your Equifax Score Rating to assess your intention and ability to make payments.
Some of our subscribers use a different name for the Equifax Score Rating but the information is always provided by us. The subscribers view a more complex score using a blend of scoring models called Equifax Score Plus. In contrast the Equifax Score Rating is designed to be more easily understood by an individual.
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 when you purchase My Credit Plus.
From 2 April 2012, we do not print Equifax Score Ratings for My Credit File or My Credit File Express applications. We provide you with the information held about you on the Bureau. As the Equifax Score Rating is generated at a point in time; it is not information that is held on the Bureau about you.
* 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.
Have you found an error on your personal credit report? We can help you resolve it.