What is my Equifax Score?

Knowing your Equifax credit score may help you negotiate a better rate with some lenders. If you're applying for credit, or are planning to in the future, it's important to understand your Equifax Score.

Your Equifax Score is dynamic and predicts the likelihood of an adverse event, like a default, being recorded on a credit report within the next 12 months. Your Equifax Score shows where you sit in relation to other credit-active Australians in our credit-reporting database. This may be used by lenders as part of the credit assessment process; however, lenders will also use their own criteria and policies when assessing your application not only your Equifax Score.