How to get my free credit report from equifax

The most complete view of your credit history

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Your Equifax Credit Report will include:

• Credit rating
• Key factors impacting your credit rating 
• Credit products you currently hold
• Past applications you have made for credit
• Repayment history (subject to your lender providing this information to Equifax)
• Overdue debts that you have been listed as a default
• You can also check if information in your Equifax Credit Report is accurate, and if not, Equifax can investigate any inaccuracies for free

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Optus customers: Received your Equifax Protect code from Optus? Sign up here.

You can order your Equifax Credit Report online, call 13 8332, or mail your request to us at GPO Box 964, North Sydney, NSW 2059. You need to be 18 years of age and over to order a copy of your Equifax Credit Report.

*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. 

Once you have requested a copy of your Equifax Credit Report you will usually receive it within one business day, provided we are able to verify your identity. Get it online now

You can request and review your free report through one of the following ways:

• Online: Visit  AnnualCreditReport.com
• Phone: Call (877) 322-8228
• Mail: Download and complete the Annual Credit Report Request form . Mail the completed form to: 

Annual Credit Report Request Service
P.O. Box 105281
Atlanta, GA 30348-5281

You can request all three reports at once or you can order one report at a time. By requesting the reports separately (for example, one every four months) you can monitor your credit report throughout the year. Once you’ve received your annual free credit report, you can still request additional reports. By law, a credit reporting company can charge no more than $13.50 for a credit report.

You are also eligible for reports from specialty consumer reporting companies. We put together a list of several of these companies so you can see which ones might be important to you. You have to request the reports individually from each of these companies. Many of the companies in this list will provide a report for free every 12 months. Other companies may charge you a fee for your report.

You can get additional free reports if any of the following apply to you:

• You received a notice that you were denied credit, insurance, or employment or experienced another “adverse action” based on a credit report, you have a right to a free report from the credit reporting company identified in the notice. To get the free report you must request it within 60 days after you receive the notice. Other types of “adverse action” notices you might receive include notice of an unfavorable change in the terms or amount of your credit or insurance coverage, or unfavorable changes in the terms of your employment or of a license or other government benefit.
• You believe your file is inaccurate due to fraud.
• You have requested a credit report from a nationwide credit reporting company in connection with the placing of an initial fraud alert (you may request two free copies for an extended fraud alert).
• You are unemployed and intend to apply for employment within 60 days from the date of your request.
• You are a recipient of public welfare assistance.
• Your state law provides for a free credit report.

Tip: Be cautious of websites that claim to offer free credit reports. Some of these websites will only give you a free report if you buy other products or services. Other websites give you a free report and then bill you for services you have to cancel. To get the free credit report authorized by law, go to AnnualCreditReport.com  or call (877) 322-8228.

This credit score is a VantageScore 3.0 based on Equifax data. Third parties use many different types of credit scores and are likely to use a different type of credit score to assess your creditworthiness.1

Why should I check my free credit score?

• Checking your credit scores and reports can help you better understand your current credit position.
• Credit scores are used by potential lenders and creditors as one factor when deciding whether to offer you credit, like a loan or a credit card.
• Checking your own credit scores and reports will not impact your credit scores.

Checking your credit is as easy as 1-2-3

1

Complete the forms
Create a myEquifax account - it's fast and easy.

2

Check your credit score
-and-
See if your VantageScore credit score1 is strong

3

Track your progress
Simply log in every month to see your latest VantageScore credit score & Equifax credit report.

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1. This credit score is a VantageScore® 3.0 based on Equifax data. The VantageScore provided uses a proprietary credit scoring model designed by VantageScore Solution, LLC. There are numerous other credit scores and models in the marketplace, including different VantageScores. Please keep in mind third parties are likely to use a different credit score when evaluating your creditworthiness. Also, third parties will take into consideration items other than your credit score or information found in your credit file, such as your income.

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