Holiday Shopping Tips to Help Protect Yourself
Personal finances play a big part in holiday planning for many families. Learn what you can do to help protect your credit history this holiday season.
Credit reports break down an individual's credit history and are prepared by one of the United States' three major credit bureaus. These detailed summaries of an individual’s credit history contain important information including personal information, account information, and inquiries. Your personal details include information such as your name, Social Security number, aliases or former names, current and former addresses, and sometimes your current and former employers. Account information includes your payment history, credit limits and balances, and the dates the accounts were opened and closed. It also includes bankruptcies and accounts in collections, as well as a list of the lenders and other companies that have made requests to view your credit report, also known as inquiries. Checking your own credit reports is important because the more you know about your credit history, the better you may be prepared for making important financial decisions, such as purchasing a house or car. One should also check their credit reports to make sure the information being reported is accurate and complete and to look for signs of potential identity theft. You can check your free Equifax credit report through myEquifax, Annualcreditreport.com, and you may be entitled to additional free credit reports under certain circumstances at equifax.com/FCRA.
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Why Should I Check my Credit Reports and Credit Scores?
Your credit reports and credit scores are vital pieces of information that are important to your overall financial wellbeing. Learn why it's important to check them regularly.
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.
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.
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.
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."
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.
How Transgender People Can Change Their Name On Their Equifax Credit Report
If you've changed your legal name, you can also dispute your Equifax Credit Report to reflect your updated information. Learn how to update your name here.
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?
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.
What Does That Mean? A Guide to Equifax Credit Report Terminology
When reviewing your Equifax credit report, you might not know what some terms mean. We define some words you may see on your credit reports.
You Ask, Bev Answers: Can I Dispute Information on My Credit Reports During COVID-19?
You can dispute information on your credit reports during the COVID-19 pandemic, though you may need to be patient throughout the process.