How is my credit report used when I apply for credit?

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  • Notice: Trying to get property of non-object in _dmemcache_get_pieces() (line 330 of /var/www/mycreditfileau/sites/all/modules/memcache/dmemcache.inc).
  • Notice: Trying to get property of non-object in _dmemcache_get_pieces() (line 330 of /var/www/mycreditfileau/sites/all/modules/memcache/dmemcache.inc).
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  • Notice: Trying to get property of non-object in _dmemcache_get_pieces() (line 330 of /var/www/mycreditfileau/sites/all/modules/memcache/dmemcache.inc).
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  • Notice: Trying to get property of non-object in _dmemcache_get_pieces() (line 330 of /var/www/mycreditfileau/sites/all/modules/memcache/dmemcache.inc).
  • Notice: Trying to get property of non-object in _dmemcache_get_pieces() (line 330 of /var/www/mycreditfileau/sites/all/modules/memcache/dmemcache.inc).
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When you apply for credit either with a phone or utility company or a loan with a bank or finance company, they generally assess both the information on your application as well as information on your credit report against their own lending policies to make a decision on whether they will give you credit. 

As part of completing your application, you will have given a lender, phone or utility company permission to view your credit report held by a credit reporting body such as Equifax.

It's important to know that Equifax does not decide who should get credit, however, the information we provide may form part of the lenders' decision making.

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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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