As a responsible provider of credit, we consider a number of factors as part of our assessment process. When you apply for a Zip account, we may need to perform identity and/or credit checks to verify your details and confirm you can make repayments. 

These checks are performed in accordance with our Privacy Acknowledgement, which you'll have to agree to at the start of your application.

Our third party credit checks are performed by Equifax or illion. If you have any questions regarding your credit score or the information provided as part of a credit check we recommend you get in touch with any of those 2 providers directly.

Our Privacy Policy can be accessed here.