My Credit File is a service by Equifax, a credit bureau with over 20 million individuals listed. Both free credit reports and paid subscription services are available.

Those who meet the eligibility requirements are able to request a free copy of their credit report. Eligibility includes access once every 12 months or have been declined credit within the last 90 days. Credit Reports may be ordered online, by phone or by mail. If you do not meet the eligibility requirements you can still request a copy for a fee.

A range of subscription options are also available through the My Credit File service that provide credit alerts, Equifax scores, identity watch and multiple credit reports.

Authorised access seekers can request copies of reports for clients and request corrections. One such access seeker is Get Your Credit Score which will provide you with a report online.

A business credit alert service of offered providing quick access, alerts and other services.

Q How much does it cost?

Personal Credit Reports are free to eligible persons.

Subscription services start at $4.95 a month for personal access up to $14.95 a month. Businesses can register for a year for $199.95.

* Prices at February 2019

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