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My Credit File
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Why have I been declined credit?
March 2017There 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.
FAQ
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.
FAQ
Another term for credit fraud is ‘identity theft’.
One of the most common forms of credit fraud is committed by 'criminals stealing' the identity of another individual.
This happens when someone steals or obtains your identity details without you knowing and uses the information to obtain credit for themselves and this can leave you with a bad credit record. This is because all criminals do not have the intention to pay the account off. This action leaves you with a debit for which you are liable for. It can damage your credit reputation and cause you continual distress until resolved.
If you suspect that your identity has been stolen then you are responsible for contacting the Police and your credit provider immediately to inform them of your situation.
You should also contact Equifax so that a record of this is loaded onto your credit file.
We recommend you regularly check your credit file. You can manage your credit reporting information throughout the year with My Credit Alert which includes your credit file. However, you are also 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) – you can find out more on our Products page.
FAQ
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.
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FAQ
Yes. Simply download an application form for your free personal credit file, complete the details and send it to us via mail at the address detailed on the form.