Fix my Equifax Credit Report

As a general rule, you can have information removed from your Credit Report if it is found to be incorrect, misleading, incomplete or out of date.

Some specific situations when you can ask to have information deleted from your file are:

• When a default listed on your Credit Report has subsequently become statute barred (i.e. the debt you defaulted on is no longer legally enforceable because a specified period of time has elapsed)

• When you have entered into a new arrangement with a credit provider following a default

• When a default was listed on your Credit Report as a result of circumstances outside of your control, such as a bank error

Equifax will investigate and remove the default information, in this insrance, if the debt has become statute barred or the listing was a result of unavoidable circumstances and you have entered into a new arrangement with the credit provider.

Learn more in the Corrections section of the Equifax Help Centre

If you believe there is incorrect or incomplete information on your Equifax Credit Report, it is important that you get this corrected. The information used to generate an Equifax credit report is provided to Equifax by credit providers. A wide range of businesses provide their customers with credit of some type and these businesses do sometimes give Equifax inaccurate or incomplete information. 

The best way to correct information on a credit report is to speak directly with the credit provider that the error relates to and ask that it be investigated and your credit report amended. We have a handy list of contact details for creditor providers or you can use the Equifax Corrections Portal.

If you review your Equifax Credit Report and find an enquiry from a credit provider you have not applied for credit with it is important to have it investigated. You can contact the credit provider (or Equifax) and ask them to investigate (you won’t have to pay any fees or charges if you do this). The credit enquiry may have been put on your Equifax Credit Report in error or it may be someone trying to fraudulently apply for credit in your name.

Learn more about fixing your Credit Report in the Corrections section of the Equifax Help Centre.