How is a Credit Report established?

We will create an Equifax Credit Report on you when we first receive information about you. A credit report is generally established when you make your first application for credit. This could be when you apply for a post-paid mobile phone contract, utilities account such as electricity, gas or water, an internet or Pay TV service, credit card or store finance.

To establish your own credit report, the application needs to be in your name and at your current residential address.

A credit report could also be established if you are a business director and we receive this information from ASIC or default judgement information is collected by us from the court system.