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Consumer Credit File

Access comprehensive consumer credit data to reduce risk, boost approvals, and prevent fraud. Empower your business with accurate insights, predictive analytics, and tailored solutions designed to enhance customer acquisition and protect your bottom line.
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Make Data-Driven Credit and Fraud Decisions

Lenders and service providers are looking for quick decisions and improved lending experiences. To make accurate risk decisions and ultimately approve more loans, lenders need quality, up-to-date credit data.

Comprehensive Coverage

Access robust credit data on 245M+ consumers, delivering deep insights for smarter decisions.

Always Up-to-Date
Stay informed with 1.6B+ tradelines updated frequently for real-time risk assessment.
High Data Density
Make confident decisions with files where 94% contain at least one active trade.
Detailed Consumer Profiles
Get a full picture with an average of 13 trades per file for deeper credit insights.
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94% of files have at least one trade, ensuring broad coverage for analysis.

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Access data on 245M+ consumers, providing extensive market insights.

How It Works

Get Vital Credit Insights
Get up-to-date credit reports for your loan customers with the Consumer Credit Report.
Evaluate Borrower Risk Effectively
Spot at-risk borrowers and key warning signs across your operations. Our robust data analysis empowers your teams to make smarter, faster assessments.

We Offer Industry-Leading Data Quality, Real-Time Credit And Fraud Insights, And Unmatched Reliability

Access to credit keeps everyday life moving forward for consumers. They expect you to move fast in the process. This means you need to quickly assess risk to make real-time decisions.

Frequently Asked Questions

Equifax offers comprehensive, traditional credit data for 245M+ consumers with 1.6B+ monthly updates. And, Equifax offers a variety of complementary, exclusive alternative data including NCTUE, short term lending, open banking to create even stronger consumer risk modeling and assessment.

Hard inquiries (new credit applications) can lower your credit score and stay on Equifax for up to 2 years. Soft inquiries (self-checks, preapprovals) don't affect your score and are only visible to you.

No, you don't report data for Equifax core credit. Lenders/creditors provide account status, payment history, and balances.

Related Resources

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Consumer Credit File
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See How Our Solutions Work

With Equifax Consumer Attributes, you gain insights based on comprehensive and predictive data that power smarter lending, reduce risk, and enhance customer acquisition strategies.

See the Benefits
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