Everything You Need to Know About Credit Reports, All in One Place
TOP CREDIT REPORT ARTICLES
What Do Interest Rates Really Mean?

Put simply, interest is the price you pay to borrow money. Before you agree to a loan, understand how your interest rate will affect the total amount you owe.

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Credit Myths and Facts You Should Know

How much do you know about credit? Take our true/false quiz to test your credit IQ.

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What to Know Before Applying for Financial Aid

Thinking about how to pay for college or a graduate degree? There are many different financial aid options available to students, regardless of credit history. 

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Managing Credit Accounts and Finances for a Loved One

Whether it's an aging parent or friend, or a family member with special needs, here are a few things to know about managing someone else's credit accounts and finances.

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Understanding Your Equifax Credit Report and Credit History

Your credit reports contain information summarizing how you have handled credit accounts, including the types of accounts and your payment history. Learn why it's important to check it regularly.

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4 Ways Your Credit History May Affect Everyday Life

You may know credit scores matter when you apply for a credit card or a home loan. But did you know other ways your credit history and credit scores may play a role in everyday life? 

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Avoiding 'Credit Repair' Scams

"Credit repair" companies may sound tempting. But the truth is, there is no such thing as a "quick fix" when it comes to your credit. Learn how to recognize legitimate credit counseling organizations vs. scams. 

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Reviewing Your Equifax Credit Report: A Checklist

Regularly reviewing your credit reports is a great way to ensure the personal and account information listed is accurate and complete. Follow our checklist to learn what to look for on your Equifax credit report. 

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Pre-Screened Credit Card Offers: Benefits and Opting Out

What are those pre-screened credit card offers you get in the mail? What are their benefits, and how can you opt out of receiving them?

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Getting a Credit Card: 4 Things for Young Adults to Know

Considering whether to get your first credit card? Here are 4 things for young adults to keep in mind before they start applying.

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Good Debt vs. Bad Debt

Did you know there are certain types of debt that may be considered "good" rather than "bad?" Learn more about what kind of debt could be considered "good."

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When Does a Late Credit Card Payment Show Up on Credit Reports?

If you're struggling to make on-time payments, or missed a due date by accident, here are a few things to know about how long it will take for a late payment to show up on your credit reports.

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Not Getting a Paycheck? What You Can Do

Whether it's because of a job loss or a furlough, it's worrisome when your paycheck stops arriving. Here are some things you can do right now.

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Divorce, Debt and Credit

How could divorcing impact your credit reports and credit scores? Here are some things to keep in mind.

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How Long Does Information Stay on My Equifax Credit Report?

Depending on the type of information, there are different timeframes for how long an item may stay on your Equifax credit report.

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What is a Charge-Off?

What does a "charge-off" on your credit reports mean -- and what are your options if one of your accounts is charged off?

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Establishing Credit When You Don't Have Credit

It’s a situation many young adults face when they’re just starting out – how to build a credit history when you don’t have a credit history.

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How Can Student Loans Affect Credit Reports?

Similar to other financial commitments, student loans -- and how you repay them -- can appear on credit reports and can impact credit scores, for better or worse.

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[Video] Let's Talk About Credit

It happens to a lot of us: The subject of credit comes up, and we may not have all of the answers. Knowledge is key, especially when it comes to regularly checking your credit reports and being aware of the three major credit bureaus.

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[Video] What to Watch Out For On Your Credit Reports

Nice job – you’ve taken a step toward responsible credit behavior by getting a copy of your credit reports. What’s next? Learn what to look for on your credit reports, what can you do if you see something that’s inaccurate or incomplete, and how you can restrict certain access to your credit reports.   

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[Video] Are You Familiar With Security Freezes and Credit Report Locks?

At their most basic, a credit report lock and a security freeze are similar — both restrict certain access to your credit reports. But they’re not exactly the same. Knowing the difference between the two may help you make an informed decision about how you can better control access to your credit reports.

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[Video] Introducing the Equifax Lock & Alert™ Service

Swipe or click to lock. Swipe or click to unlock. Lock & Alert puts the ability to quickly lock and unlock your Equifax credit report at your fingertips.

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A Guide to Credit Report Disputes

If there is information on your credit report you believe is inaccurate or incomplete, here are some steps you can take to resolve it -- and what to expect if you file a dispute.

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Understanding Hard Inquiries on Your Credit Report

Shopping for a loan involves many steps and, potentially, multiple credit checks. Understand how hard inquiries are generated on your credit report.

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[Video] A Guide to Equifax® Lock & Alert™

Learn how Equifax Lock & Alert works to help put control over certain access to your Equifax credit report at your fingertips.

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Inactive Credit Card: Use it or Lose it?

After a certain period of time, your credit card account may be deemed "inactive" and closed. Here are some things you should know.

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Myths vs. Facts: Marriage and Credit

How much do you know about how tying the knot may (or may not) impact credit reports and credit scores?

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Credit Steps to Take After a Relative's Death

Credit and finances likely aren't top of mind after a relative's death. But it's important to know the credit steps to take if you are handling the person's estate.

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What is a Credit Bureau?

Do the three major credit bureaus make lending decisions? Where do they get their information? Answers to your questions about credit bureaus.

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[Video] A quick guide to your Equifax credit report and Equifax credit score

Find out what's in your Equifax credit report & Equifax credit score.

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How Do I Get My Free Credit Report?

There are several ways you can get free credit reports from Equifax as well as the other two nationwide credit bureaus.

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What is a Credit Report and What Does it Include?

Learn more about your credit report, why it's important and the information typically included in it.

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9 Things You May Not Know About the Fair Credit Reporting Act - But Should

The purpose of the Fair Credit Reporting Act is to restrict who has access to your credit information and how they can use it.

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[Video] How to Dispute Information on Your Credit Report

Found something incomplete or inaccurate on your credit report? Learn more about the dispute process.

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Who is Allowed to Access Your Equifax® Credit Report?

Companies and others who have “permissible purpose” can access your credit information in order to make certain types of decisions. What’s “permissible purpose?”

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[Video] What information is in a credit report?

Find out what information goes into a credit report & the important information you should review.

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[Video] What to do if you've been denied credit

Find out why lenders may deny you credit and steps you can take if you are denied.

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