Are you getting the most out of your credit card rewards?
January 2018Some credit cards offer generous rewards schemes, but are you taking advantage of the best deals? Find out how to get the most out of your card.
Can you pay off your credit card with another credit card?
January 2018Have you considered paying off debts on one credit card by using another? It's possible, in a way, but it might not be the best idea in the long run.
Once you have requested a copy of your free Equifax credit report or a My Credit Alert subscription you will receive your credit report within one business day, provided we are able to verify your identity.
Equifax Credit Report (Authorised Access Seeker)
Are you an Authorised Access Seeker, such as a broker, financial counsellor, debt management company or financial counsellor who has authorisation to access an Equifax credit report on behalf of an individual? If so, you can order an Equifax credit report on behalf of your client.
An individual has the right to obtain a free copy of their credit file from Equifax once every three months, or if their credit application was declined, (the request for a free credit file must be made within 90 days from the date your application was declined), or if the individual has lodged a correction request and is advised that their Equifax credit report has been corrected.
If an individual does not meet the criteria, a once-off Equifax credit report is available for the cost of $6.95 (currently available for free).
The Equifax My Credit Alert service is no longer offered to new customers (If you’re an existing My Credit Alert customer find out more here). If you’re looking for a credit alert service you may consider one of our other subscription services which offer a credit alert.
Equifax Identity Protect – An identity theft protection and detection service to help you safeguard your identity. Detect if your personal details are being traded on the dark web with Identity Guard insurance in the event you have been the victim of identity theft.
Equifax Credit Protect – Get on top of your credit profile and protect your identity. Keep track of your Equifax credit report and Equifax score. You’ll get your Equifax credit report monthly, Equifax Score monthly along with an Equifax Score Tracker and the top four contributing factors. And then there’s credit monitoring through alerts to help protect your credit reputation.
Credit & Identity Protect – Proactively manage your credit profile with a monthly Equifax credit report and Equifax score with our most comprehensive credit and identity consumer subscription plan. Find out the key factors that impact your Equifax Score and track it over time. Plus help safeguard your identity with credit alert and identity monitoring. We’ve also got you covered with Identity Guard Insurance.
Free credit report - You can get a free copy of your personal Equifax credit report provided you have:
- been declined credit in the last 90 days; or
- had an item corrected on your Equifax credit report; or
- not applied for a credit report during the previous 12 months
If you don’t meet the criteria for a free Equifax credit report you can get a once-off credit report for $6.95 (currently available for free).
From 30 November 2018 the Equifax My Credit Alert service is no longer offered to new customers.
If you’re an existing customer you will still receive the benefits of ongoing credit alerts via email when certain changes occur on your Equifax credit report, as well as a copy of your Equifax credit report once a year. This service is automatically renewed each year for the cost of $79.95. You can cancel at any time and receive a pro-rata refund for the number of full months remaining of your subscription as at the date of termination. The terms and conditions for the My Credit Alert services are available here.
If you’d like to upgrade to one of our monthly subscription product packages where you can access your credit report, get credit alerts and more within a secure online portal you can find out more at Equifax.com.au.