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Why should I check my credit history and credit score?

Your credit history and credit score are vital pieces of information that are important to your overall financial wellbeing. You should view your credit history and your credit score to better understand your current credit position. That way, you can decide whether to pursue a credit application now or wait until your credit history and credit score change.

What is my credit score used for?

Credit card companies, mortgage lenders, and insurance companies will pull a credit report along with a credit score or credit scores to use as one of the factors to determine your creditworthiness or credit risk.


Financial services companies tend to group borrowers into segments according to their credit score. These credit score ranges may determine how much you’ll be charged for your insurance coverage or the interest rate you pay on your mortgage, student, or automobile loan or the type of credit card you’ll be offered.

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Coming Soon

Lock & AlertTM Launching
January 31, 2018

Learn about the Lock & Alert service and help control who has access to your Equifax credit report for free, for life.1

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Lock-Alert-Disclaimer

  1. Locking your Equifax credit file will prevent access to your Equifax credit file 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 report; 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 and prevention 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.