Identifying information: This section of your Equifax credit report, which is not used to calculate your credit scores, includes personal information, such as your name, address, Social Security number and date of birth.Your Equifax credit report contains the following types of information: Your credit reports may also be reviewed if you’re trying to secure insurance coverage or if you’re applying for services such as utilities or a mobile phone contract. Prospective employers and landlords may also access your credit reports to help them decide whether to offer you a job or a lease. Additionally, the information on your credit report is used to calculate your credit scores. Lenders use your credit reports as part of their evaluation process when deciding whether to extend you credit - and at what terms. Some report only to one or two, or even to none at all. This is because not all lenders report information to all three CRAs. You may see differences in your credit reports depending on which CRA provides them. Information in your credit reports is typically provided to the three nationwide consumer reporting agencies (CRAs) - Equifax, TransUnion and Experian - by your creditors. What is a credit report?Ī credit report is a summary of your credit history, including the types of credit accounts you’ve had, your payment history and certain other information such as your credit limits. ![]() So, it's important to understand what a credit report is, as well as what you’d expect to find on one. Your credit reports are important pieces of financial information that help lenders measure your level of credit risk, or the likelihood you’ll pay your bills on time. ![]() Credit reports from the three nationwide consumer reporting agencies - Equifax, TransUnion and Experian - may contain different account information.Your credit reports include information about the types of credit accounts you’ve had, your payment history and certain other information such as your credit limits.Your credit reports are important pieces of financial information that help lenders measure your level of credit risk, or the likelihood you’ll pay your bills on time.
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