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Equifax ® 3-Bureau credit scores are based on an Equifax Credit Score model and are not the same scores used by 3rd parties to assess your creditworthiness. 2
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What Is a Credit Report?
A credit report contains information about your credit card and loan history, including how you make your payments and how much debt you have, and it may contain records of action taken against you because of outstanding bills.
Lenders, landlords, other service providers and third parties buy your credit information in the form of a credit report to help them decide whether to approve your application for a loan, credit card, or housing, or to offer you a product or service at a particular rate.
Equifax is one of the leading credit reporting agencies in the United States. The other two major credit bureaus are Experian and TransUnion. Each credit agency maintains information about your credit history.
While all consumers are eligible for one annual free credit report from Equifax, Experian and TransUnion, it's important that you review your credit information regularly to check its accuracy, as these 3-Bureau credit reports change regularly. Equifax credit monitoring products can help monitor and protect your credit by alerting you of any changes to your credit report.
What Information Is Included in Your 3-Bureau Credit Reports?
Your Credit Report from Equifax, Experian and TransUnion includes the following information:
Personal information compiled from credit applications you've filled out. This information normally includes your name, current and recent addresses, Social Security number, date of birth, and current and previous employers.
Credit history. The bulk of your credit report consists of details about credit accounts that were opened in your name or that list you as an authorized user. Account details, which are supplied by creditors with which you have an account, include the date the account was opened, the credit limit or amount of the loan, the payment terms, the balance, and a history that shows whether or not you've paid the account on time. Closed or inactive accounts, depending on the manner in which they were paid, generally stay on your report for 7 years from the date of their last activity.
Credit report inquiries. Credit reporting agencies record an inquiry whenever your credit report is shown to another party, such as a lender, service provider, landlord or insurer. Inquiries remain on your credit report for up to two years.
Public records. Matters of public record obtained from government sources such as courts of law — including liens, bankruptcies and overdue child support — may appear on your credit report. Excluding criminal convictions, most negative public record information stays on your credit report for 7 years.
What Is Not Included in Your 3-Bureau Credit Reports?
Generally, your 3-Bureau credit reports from Equifax, Experian and TransUnion do not include information about your checking or savings accounts, bankruptcies that are more than 10 years old, charged-off or debts placed for collection that are more than 7 years old, gender, ethnicity, religion, political affiliation, medical history or criminal record. Also, your credit score is generated by information on your credit report, but is not part of the report itself.
What is a Credit Score?
Your credit score is a mathematical model designed to predict credit risk, based on data contained within your credit file. Lenders typically review this type of information to determine whether to extend credit,
and on what terms. A higher score usually means you pose a lower risk to the lender, who will, in turn, be more likely to offer you favorable interest rates. The information contained in your credit files changes over time and so might any new scores based on your data. For example, your credit score from a month ago may have changed if there has been any recent activity on your credit file. A number of factors can affect your credit score, including:
- Payment history
- Public records
- The length of your credit history
- Any new accounts you may have opened
- Inquiries into your credit file
- How many accounts you have in use
The Equifax Credit Score model — a proprietary formula using the information from your Equifax credit file — is a numerical value ranging from 280-850; the higher the value the lower the credit risk. Third parties may use other credit scoring models to determine creditworthiness, so your actual number could vary when making an application. However, most models consider similar factors and share a common theme — generally, the higher your score, the lower the credit risk.
$4.95 for the first 30 days, then $17.95 per month thereafter. You may cancel at any time; however, we do not provide partial month refunds. 1
1 We will require you to provide your payment information when you sign up and we will immediately charge your card $4.95. After that, we will charge the card $17.95 for each month you continue your subscription. You may cancel at any time; however, we do not provide partial month refunds.
2 The credit scores provided under the offers described here use the Equifax Credit Score, which is a proprietary credit model developed by Equifax. The Equifax Credit Score and 3-Bureau credit scores are each based on the Equifax Credit Score model, but calculated using the information in your Equifax, Experian and TransUnion credit files. The Equifax Credit Score is intended for your own educational use. It is also commercially available to third parties along with numerous other credit scores and models in the marketplace. Please keep in mind third parties are likely to use a different score when evaluating your creditworthiness. Also, third parties will take into consideration items other than your credit score or information found in your credit file, such as your income.
3 Score Estimator results are provided for educational purposes only and are intended to show the impact that certain hypothetical actions could have on your credit score, assuming that all other variables remain constant. This is not a guarantee that your score will change as shown in this Score Estimator. Your actual score calculation may change frequently, even daily, as the information in your credit file(s) changes.
4 Under certain circumstances, access to your Equifax Credit Report may not be available as certain consumer credit files maintained by Equifax contain credit histories, multiple trade accounts, and/or an extraordinary number of inquiries of a nature that prevents or delays the delivery of your Equifax Credit Report. If a remedy for the failure is not available, the product subscription will be cancelled and a full refund will be made.
5 Identity theft insurance underwritten by subsidiaries or affiliates of American International Group, Inc. The description herein is a summary and intended for informational purposes only and does not include all terms, conditions and exclusions of the policies described. Please refer to the actual policies for terms, conditions and exclusions of coverage. Coverage may not be available in all jurisdictions.
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