Credit Report Information: Guide to Credit Reports | Equifax
TOP CREDIT REPORT ARTICLES
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
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
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 Now
Shopping for a loan involves many steps and, potentially, multiple credit checks. Understand how hard inquiries are generated on your credit report.Read More
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
Find out what's in your Equifax credit report & Equifax credit score.Watch Now
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
Found something incomplete or inaccurate on your credit report? Learn more about the dispute process.Watch Now
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
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
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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.