I am just wondering, with the other free credit score websites, is there a need to sign up to Equifax to get the alerts and scores? What are the differences between Equifax and other credit score websites?
Is Equifax Membership Different to Other Free Credit Score Sites?
wildstone on 31/08/2020 - 11:57
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Thanks, so you are saying if you just want to know your Equifax score, you can subscribe to getcreditscore for example, but if you need to know which lender has accessed your file, you need to subscribe to Equifax?
That's my understanding. I'm certain the their subscription gives you more but not for me. We can get free credit report (Equifax) every X years from https://www.mycreditfile.com.au/ use this to correct the information on your file. Illion free account let you access their report for free through their log on.
Also need to correct my previous uninformed statement - it seems Equifax subscription gives you Experian and TransUnion data as well. Oops
On the free websites like getcreditscore you actually get information from the credit file also (payment history, default etc…)
The difference is with Equifax subscription you will get it monthly, I believed with the free one it isn’t monthly.
It doesn’t affect your credit file subscribing to the free one, so you may as well try.
Wizr credit actually pulls info from 2 agency
Thanks ~ how often then do you know for the free websites like getcreditscore do they provide the report?
Worth reading this before you pay for a credit report:
https://www.accc.gov.au/media-release/equifax-formerly-veda-…I was wondering why my credit score was slowly going down
It turns out that Hive Empire Pty Lty enquired too much on my credit check,
actually, they were doing it every month!
Who the hell are Hive Empire Pty Ltd?
It took a few drinks over a few months to work out who they were,
it was Finder.com.au
Yep, as soon as I went to that site I found out I didn't ever log off & then I logged off,
the pinging of my credit file stopped; and I haven't logged back in ever again.
BTW, I use Credit Savvy to get my free report emailed to me every month, plus I get extrasCredit Savvy checks from Experian only.
and…
It looks like I use ClearScore instead of Credit Savvy
Neither of those will give OPs a credit report from Equifax.
Equifax one gives you the full report, whereas other websites probably give you just the scores.
Be mindful there are different credit reporting agencies: equifax, experian and illion. Each uses their own scoring system. You can subscribe for their monthly scores via creditsavvy, getcreditscore and creditsimple.
Equifax report does not include queries made through the other two agencies.
I find different banks or service providers use different ones, but not more than one.
https://moneysmart.gov.au/managing-debt/credit-scores-and-cr…