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Eligibility Risk Management

Equifax Australasia Credit Ratings Pty Ltd trading as Corporate Scorecard, through its Residential Builder Agency business unit, provides an efficient and customer-centric assessment service for residential builder home warranty insurance eligibility in Australia. Through the provision of credit risk management services, Corporate Scorecard knows the construction industry well. This includes an intimate understanding of the residential construction sector.

Corporate Scorecard acts as an agent for the NSW Home Building Compensation Fund (HBCF) for the provision of eligibility risk management services. The HBCF, established under the NSW Home Building Act 1989, is part of the NSW Government’s consumer protection strategy for homeowners having residential building work of $20,000 or over, done. The HBCF compensates NSW homeowners for incomplete or defective residential building work when the licensed building contractor is no longer around to fix it.

The HBCF carry out a risk assessment of building contractors prior to granting eligibility to obtain home warranty insurance cover. Certificates of Eligibility set out how much work a building contractor can take on. Once a building contractor has eligibility, they can apply for a Certificate of Insurance for each project, which they then supply to the homeowner.

Building contractors looking to obtain HBCF eligibility must direct their application through an approved distributor. A list of approved distributors can be viewed at

Corporate Scorecard is a leading provider of credit ratings and counterparty risk assessment services in Australia. As a licensed Credit Rating Agency [AFSL#341391], Corporate Scorecard operates within a regulated industry to ensure the quality and integrity of the assessment process. Corporate Scorecard is a wholly owned subsidiary of Equifax [NYSE: EFX], which is a leading global data and analytics company focused on continuous, customer-centric innovation. Equifax has a long history in providing credit risk management services, and leverages public and proprietary data, tools and technology to support a range of delivery models, providing efficient, scalable and reliable risk management services.