equifax.com login

 

equifax.com login

equifax.com login

equifax.com login

The Equifax Credit Score is a proprietary credit scoring model developed by Equifax. Like other score models used by lenders and others in the market today, it is a calculation of the information in your credit file, and is used to predict credit risk. The Equifax Credit Score ranges from 280 to 850, with higher scores representing lower credit risk. In other words, higher scores are better scores. Other score models use different score ranges and they may incorporate different factors or give differing weight to the same factors.

Lenders will typically evaluate your credit report and credit score along with other key information, such as your income, against their own internal decisioning criteria to determine your ability to qualify for a particular loan type and interest rate. When it comes to your Equifax Credit Score, you don’t want any surprises. Become an expert on your own credit score with an in-depth report from Equifax.

Benefits Include:

  • • Details about what’s impacting your Equifax Credit Score, including positive and negative factors
  • • An Interactive Score Estimator™ allows you to simulate how your actions might impact your score
  • • An explanation of how lenders perceive your risk level when you apply for a loan
  • • Access to our helpful and knowledgeable Customer Care service seven days a week

Credit scores are calculated using data from your credit files. The information in your credit files may differ across the three credit reporting agencies. Because your scores are calculated using the information in your credit files and your credit files may differ across the three credit reporting agencies, there may be differences between scores. That is why it is important to periodically review your credit reports and scores from all three credit reporting agencies to ensure the accuracy of the credit file data.

Since your credit file changes as credit line balances change, account statuses change, etc., your credit scores may have changed if there has been any key activity on your credit files since the last time you checked your credit reports and scores.

Your Equifax credit file includes identifying information, trade line/account information, inquiry information, public record and collection information.

  • • Identifying information includes information that is used to identify you such as your name, address, Social Security Number, date of birth and employment information. This information is not used in scoring. Updates to this information is typically received from information provided when applying for credit or benefits.
  • • Trade lines are your credit accounts. Data furnishers report information on accounts you have established with them such as the type of account (bankcard, auto loan, mortgage, etc), the date you opened the account, your credit limit or loan amount, the account balance and your payment history.
  • • Inquiry information contains information about companies that have requested and/or viewed your credit report information typically within the last two years.
  • • Public Record and/or Collection Information such as judgments, tax liens and bankruptcies may be reflected on your credit file. Your credit file may also contain collection account information for debts that have been turned over to an outside collection agency.

Click on the link below to get your 3 Bureau Credit Scores and Reports Now!