![]() Hard inquiries happen when a lender or an individual accesses an individual’s credit report because they applied for credit or a service like phone, cable or internet. Examples of soft credit inquiries include checking your own credit report or receiving a pre-approval offer from a credit card company. And even though they don’t affect your scores, they’ll appear on your Equifax credit report for up to two years. Soft credit inquiries don’t affect credit scores. When a credit report is checked, it’s considered either a hard or soft inquiry. ![]() This section shows who has looked at your credit report-known as a credit inquiry or credit check. Credit limits on accounts, if applicable.Age of the account and when it was opened.Type of credit account, like revolving credit, installment loan or mortgage.Closed accounts-including accounts that have been paid off.Credit account information found in an Equifax credit report may include the following: Credit accountsĬreditors and lenders report information about your current and past accounts to Equifax, which is reflected in this section. It may also show prior addresses, maiden names or any other names you’ve previously used. This section includes identifying information like your full name, address, birthday and Social Security number. You can get a free copy of your Equifax credit report to review and understand what creditors and lenders are seeing when you apply to borrow money.Īn Equifax credit report contains information about an individual’s financial history and has five main types of information: 1.The five main components of an Equifax credit report are personal information, credit accounts, inquiry information, bankruptcies and collections accounts.Equifax is a credit bureau that collects information about an individual’s credit history to create a credit report.Read on to learn more about what an Equifax credit report is and how to use this information. This way, you can be more prepared when making financial decisions. These reports are then used to calculate credit scores and help companies determine your creditworthiness-or how likely you are to repay your debts on time.īy checking your Equifax credit report, you can learn more about what creditors or lenders may see when you apply for credit. These credit bureaus all collect information on your financial habits and use that information to compile and sell credit reports. To opt out of such pre-approved offers, visit is one of the three major credit bureaus. Credit Report Control will not prevent access to your credit file at any other credit reporting agency, and will not prevent access to your Equifax credit file by companies like Equifax Global Consumer Solutions which provide you with access to your credit report or credit score or monitor your credit file 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. Locking your credit file with Equifax Credit Report Control will prevent access to your Equifax credit file by certain third parties, such as credit grantors or other companies and agencies. ![]() You may cancel at any time however, we do not provide partial month refunds. We will immediately charge your card the price stated and will charge the card the price stated for each month you continue your subscription. We will require you to provide your payment information when you sign up.
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