Who can Equifax share my Credit Report with?

The short answer is that Equifax can only give your Credit Report to a select range of organisations that have a legitimate interest in your creditworthiness.

The longer answer is that access to your Credit Report is governed by the Privacy Act. This Act, specifically its ‘Australian Privacy Principles’ and Part IIIA on Credir reporting, lays out strict conditions around what organisations are permitted to request a Credit Report from credit reporting bodies (such as Equifax).

Equifax can only supply your Credit Report, or information on it, to:

• A credit provider

• A mortgage broker

• A trade insurer

• Your agent (for example, a broker, financial counsellor, debt management company or credit repair agency you’ve employed)

   

You may have commercial credit and public record information on your Credit Report. If this is the case, and certain requirements are met, this information can be supplied to:

• Organisations involved in commercial-credit-related activities. (For instance, if an organisation you are a director of applies for credit, the potential credit provider can access the commercial credit and public record information on your Credit Report.)

• Organisations that collect commercial credit debts

• Organisations that require this information for financial or credit-risk-related purposes