Zip Pay: If your circumstances have changed, you may be eligible to reapply for an account 12 months after your last unsuccessful application.

As an alternative in the short term, you may still be eligible for a Zip Money account, which is designed for larger purchases of over $1000. 

However: this may not be the best option if you know that you have issues with your credit history.

Zip Money: If your Zip Money application was unsuccessful, you may be eligible to reapply after 6 months, provided your financial circumstances have changed significantly.

For information relating to your credit file, please contact Equifax directly.