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An Equifax credit report is simply a credit report that portrays how you, as an individual, have paid back the lenders from whom you borrowed money and/or how you have met other financial obligations. Your Equifax credit report, sometimes referred to as your ¨credit history¨ or ¨credit file¨, contains personal information gathered from many sources on an ongoing basis. Most companies that have extended you credit will provide information for your consumer credit report to the three major credit report agencies. Your Equifax credit report is a vital tool for consumers and lenders. Lenders will use information on your Equifax credit report to make a variety of decisions based on their criteria. From mortgages, car loans, and credit cards to utilities, auto and homeowners insurance, student loans and employment, your Equifax credit report is the lifeblood of your financial health.
Equifax is the first of the three national credit bureaus providing credit reports to the lenders. Founded in 1899, Equifax has evolved into a 5,000-employee corporation that operates in thirteen countries. Equifax was also ranked in the top five in return on equity, which proves how accurate their information is.
Get a Copy of Equifax Credit Report
You can put in writing to Equifax credit bureau and apply for a copy of your credit report. If someone else has accessed your credit report then Equifax may send you a letter informing you of this action. At the bottom of this letter will be an address for you to write to and get a copy of the same credit report that was sent to the first receiver of your credit report.
With the copy of your personal credit report in your hand, first thing you do is to check it for any errors. Errors, such as name, address and phone number, should be carefully checked. This information is vital and needs to be correct on your credit report. Equifax will be glad to help you repair any error you may find on your credit report.
They have All Your Personal Info
Your credit report contains lots of your personal information. Other than your name, address and phone number there are a lot of other personal things on your credit report. Any loans you have taken out will also appear on your credit report. And the details of how well you paid back those loans will also appear on this credit report. If you have rented an apartment, you can be sure that information will also appear for viewing. Even if you have an unlisted phone number then that will appear on your credit report.
Your personal Equifax credit report is just full of any and all personal information you may have had or do still have. All this information is available to be viewed by anyone who accesses your credit report.
Equifax Credit Report Repair
Your credit report from Equifax could have errors on it. Your address and phone number could be wrong. And it is even possible that your name is spelled wrong. Your social security number may also appear wrong on credit report.
Wrong information could also be of a past due bill, already paid by you, still appearing on your credit report. In this case, all you have to do is just produce the proof of this payment and Equifax will be glad to help you repair that wrong information on your credit report. You can call them or write to them. Online help is also there to repair the errors on your credit report.
No matter how minor the error may be, it still needs to be fixed. Even small errors on you personal credit report can cause you trouble.
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