My Credit Report Overview

What is a Credit Report Overview?

A credit report is a record of your credit history. It may include information on applications for credit that you have made in the past; repayment history information (including any associated financial hardship arrangements) on credit cards, personal loans and mortgages, as well as other publicly available information such as court writs and judgements relating to credit and bankruptcies.

Credit reports are available to all consumers that have a credit history and are built using information provided by credit providers and public record information.

Your Credit Report Overview is strictly an overview only and does not provide all the available information that you will find on your comprehensive Equifax credit report that you can request by clicking here.

How do I get my Credit Report Overview?

Once verified, you can access your Credit Report Overview by logging in to GetCreditScore and clicking on the Credit Report Overview tab at the top of the screen. 

Does it cost me anything to get my Credit Report Overview?

No, it doesn’t cost you anything to get your Credit Report Overview. 

Why is my Credit Report Overview different to my credit report?

The Credit Report Overview on GetCreditScore is an overview of the information available on your full credit report. This new feature will help you understand the key factors that can have the biggest impact on the outcome of your score. If you’d also like access to your full credit report, you can request it here. 

How often can I get my Credit Report Overview?

You can access your Credit Report Overview through GetCreditScore, at any time. 

 

How often will my Credit Report Overview information be updated?

We’ll email you updates of your Credit Report Overview each month, and if there has not been any activity on your report in the past month, you will not see any changes made to your report. 

Your personal information reflected on your report will not always include the most up-to-date information as this information is only submitted in conjunction with past credit reporting activities from credit providers, utility, and telco companies. For example, your current address recorded on your file will be your address at the time you last made a request for a credit application.

 

Will accessing my Credit Report Overview via GetCreditScore impact my credit profile?

No, GetCreditScore is an Access Seeker who is assisting you in obtaining your credit information from Equifax, and therefore does not negatively impact your credit profile regardless of how frequently you access this information.

Disclaimer: The information contained in this FAQ is general in nature and does not take into account your personal objectives, financial situation or needs. Therefore, you should consider whether the information is appropriate to your circumstance before acting on it, and where appropriate, seek professional advice from a finance professional such as an adviser.