What information may be included on my Equifax credit report?
Your Equifax credit report includes the following types of information:
- Identifying information: Your name, address, Social Security number and date of birth.
- Credit account information: This is reported to Equifax by your lenders and creditors and includes information about each account and its payment history. It may not contain all your credit accounts for several reasons, such as closed accounts that have dropped off your report after a certain period of time, or accounts not reported to Equifax by lenders.
- Inquiry information: There are two types of inquiries: "soft" and "hard." Soft inquiries occur when you check your own credit or when a company reviews your credit to provide you with pre-screened offers of credit or insurance. They do not impact your credit scores. Hard inquiries occur when companies or individuals review your Equifax credit report because you have applied for a credit or service. They may negatively impact credit scores, although the impact may lessen with time.
- Bankruptcies: Information about bankruptcy public records and related details such as the filing date and chapter (type of bankruptcy).
- Collections accounts: Past-due accounts that have been turned over to a collection agency.