Credit Report Information: Guide to Credit Reports | Equifax
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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.
Watch Now[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.
Watch Now[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.
Watch Now[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.
Watch NowUnderstanding 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.
Read MoreCredit Myths and Facts You Should Know
How much do you know about credit? Take our true/false quiz to test your credit IQ.
Read More[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.
Watch NowInactive 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.
Read More[Infographic] Lock or Freeze
Both a security freeze and a credit report lock have the same impact on your credit report, but don't work in exactly the same way. Learn more.
Learn MoreUnderstanding Your Credit Report and Credit History
Your credit report tells a detailed story about you, your financial accounts and your payment history. Learn why it's important to check it regularly.
Read More[Video] Security Freeze or Credit Report Lock?
Both a security freeze and a credit report lock have the same impact on your credit reports, but there are differences. Learn more about each.
Watch NowWhat 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.
Read More[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.
Watch NowHow Do I Get My Free Credit Report?
You can get a copy of your free credit report once every 12 months from all three major credit bureaus by visiting www.annualcreditreport.com.
Read MoreWhat 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.
Read MoreThe Anatomy of a Credit Dispute
There’s information on my credit report that I believe is incorrect. How do I begin the process of disputing information I believe is incorrect?
Read More9 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.
Read More[Video] How to Dispute Information on Your Credit Report
Found something incomplete or inaccurate on your credit report? Learn more about the dispute process.
Watch NowWho 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?”
Read More[Video] What information is in a credit report?
Find out what information goes into a credit report & the important information you should review.
Watch NowHow Long Does Information Stay on my Credit Report?
There are timeframes for how long different types of information may remain on your credit report. Depending on the type of information, there are different timeframes for how long an item may stay on your credit report.
Read More[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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Help control who has access to your Equifax® credit report. It's free.
Equifax is helping put you in control of your Equifax credit report. With Lock & Alert, you can quickly and easily lock and unlock your Equifax credit report with a click or swipe, and we’ll send a confirmation alert.1
Locking your Equifax credit file will prevent access to it by certain third parties. Locking your Equifax credit file will not prevent access to your credit file at any other credit reporting agency. Entities that may still have access to your Equifax credit file include: companies like Equifax Global Consumer Solutions which provide you with access to your credit report or credit score, or monitor your credit file; federal, state, and local government agencies; companies reviewing your application for employment; companies that have a current account or relationship with you, and collection agencies acting on behalf of those whom you owe; for fraud detection purposes; and companies that wish to make pre-approved offers of credit or insurance to you. To opt out of such pre-approved offers, visit www.optoutprescreen.com.