Question 1

Why do I see an Equifax or “EQUIFAX AU SWIFTCHECK” charge on my bank statement?

Accepted Answer

This descriptor usually appears when you’ve purchased a SwiftCheck business credit report or other Equifax Australia business-information product using a debit or credit card. It may also relate to a business-related subscription or a pay‑per‑report purchase made through an Equifax or former Veda online account. Check with colleagues or your accounts department, as these reports are often ordered during credit checks on customers, suppliers, or tenants.

Question 2

Is the Equifax SwiftCheck charge a one‑time fee or a subscription?

Accepted Answer

SwiftCheck business credit reports are typically sold as one‑off purchases, meaning you pay a single fee per report requested. However, some businesses may have ongoing Equifax commercial information packages or monitoring services that bill on a monthly or annual basis. You can confirm by logging into your Equifax business account or asking your internal account owner or administrator to check the Billing or Orders section.

Question 3

What amounts are common for Equifax SwiftCheck or business credit report charges?

Accepted Answer

Equifax business credit reports, including SwiftCheck, are usually priced per report, with the exact amount depending on the depth of information and any add‑on services selected. The total price is shown at checkout and on your invoice or email confirmation from equifax.com.au. If the amount on your statement doesn’t match what you recall seeing, compare it against your Equifax invoice or contact support with the date and amount of the charge for clarification.

Question 4

How do I cancel or change an Equifax Australia subscription or monitoring service?

Accepted Answer

If your charge relates to an ongoing subscription (such as recurring access to reports or monitoring tools), log into your Equifax account at equifax.com.au and go to the Billing, Subscription, or Account section to view and manage your plan. Many services can be changed or cancelled online; some business agreements may require notice via email or phone to your account manager or the customer service team. Always review the terms you agreed to for details on notice periods, minimum terms, and how cancellations impact access.

Question 5

How can I request a refund or dispute an unexpected Equifax charge?

Accepted Answer

Start by confirming whether anyone in your business or household ordered a report or service around the date of the charge. If you still believe the charge is incorrect, go to equifax.com.au and use the Contact or Help section to reach Equifax Australia’s customer support via online form or phone, providing the transaction date, amount, last four digits of your card, and the statement descriptor. They can check for duplicate charges, billing errors, or unauthorized use and advise whether a refund, reversal, or credit is possible under their policy and applicable Australian consumer law.

Question 6

Why do I see a small or temporary Equifax charge that later disappears?

Accepted Answer

Equifax may place a small temporary authorization amount on your card to verify that the payment method is valid when you first sign up, add a card, or update billing details. This is not a final charge and usually drops off or is reversed by your bank within a few business days, depending on your card issuer. You will only be billed the full product or subscription price once the actual purchase is processed.

Question 7

How can I see details or a receipt for my Equifax or SwiftCheck transaction?

Accepted Answer

Receipts and invoices for Australian Equifax purchases are typically emailed to the address used during sign‑up or checkout and may also be available in the Orders, Reports, or Billing section of your Equifax account. Search your email (including spam/junk folders) for terms like “Equifax”, “SwiftCheck”, or “tax invoice”. If you cannot locate the documentation, contact Equifax through equifax.com.au with your business name and the date and amount of the charge, and request a copy of the invoice.

Question 8

What should I do if I suspect an Equifax charge is fraudulent or my details were used without permission?

Accepted Answer

If no one in your organization or household recognizes the transaction, contact Equifax Australia immediately using the contact information on equifax.com.au and provide the exact charge details so they can investigate. At the same time, notify your bank or card issuer to report potential unauthorized use, request a card block or replacement, and follow their fraud‑dispute process. Equifax can help identify whether an account exists in your name, what was purchased, and what steps to take if your identity or business details may have been compromised.

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