Use this guide to understand common differences between illion and Equifax credit reports, why scores may vary, and how to resolve common credit check issues.
Why is the data different between illion and Equifax?
Credit reporting bodies such as illion and Equifax share approximately 90% of common data.
This means:
In most cases, both reports will contain the same information.
Around 10% of data may be exclusive to one bureau.
If your client’s information falls within that exclusive portion, it may appear on one report but not the other.
Note
Many major banks and some second-tier lenders are dual bureau. They review both illion and Equifax reports when assessing credit applications.
Example: Directorship information
Directorship data is sourced from ASIC.
Both bureaus access ASIC data. However:
If a directorship is newly registered,
And a recent enquiry was made with Equifax,
The directorship may not yet have refreshed through to illion.
Timing differences can result in temporary discrepancies.
Why are credit scores different?
Credit scores can vary between illion and Equifax for several reasons.
Different scoring algorithms
Each bureau uses its own proprietary algorithm to calculate a credit score.
These algorithms:
Apply different weightings to various factors
Assess risk differently
Use separate modelling approaches
As a result, scores may differ even where data appears similar.
Unique data sets
As noted above, each bureau may hold some exclusive data. This can influence the overall score.
Different scoring scales
Equifax scores typically range from 0 to 1200.
illion scores typically range from 0 to 1000.
Because the scales differ, direct score comparisons should be made carefully.
Why is no data returned for a client?
If no data is returned, it may mean:
The consumer does not exist in the bureau database.
The identifying information does not match bureau records.
If this appears incorrect, the client must contact illion directly to update or correct their information.
What does illion error 52 mean?
Error 52 – “Mandatory field is not supported” generally indicates:
The address entered is not recognised by illion; or
The consumer does not exist in the bureau database.
Review the client’s details carefully before resubmitting the request.
Can I run a credit check for a company?
No.
Credit checks through Mercury Nexus are available for individual clients only. Company credit reports are not currently supported.
Important note for credit decisions
Important
Lenders may review both illion and Equifax credit reports when making a credit decision.
Do not rely on a single bureau result without confirming lender policy.
illion support contacts
If a client needs to update their personal credit file:
illion Public Access Centre (PAC)
Email: [email protected]
Phone: 132 333
Hours: 8:30am – 5:00pm, Monday to Friday
For broker support enquiries:
illion Broker Support Team
Email: [email protected]
Need help?
If you need help running credit checks in Mercury Nexus, contact your Partnership Manager or email [email protected].