FAQ

Question: What information do I need to provide to get my free report?

Answer: You need to provide your name, address, Social Security number, and date of birth. If you have moved in the last two years, you may have to provide your previous address. To maintain the security of your file, each nationwide consumer reporting company may ask you for some information that only you would know, like the amount of your monthly mortgage payment. Each company may ask you for different information because the information each has in your file may come from different sources.

Question: Why do I want a copy of my credit report?

Answer: Your credit report has information that affects whether you can get a loan — and how much you will have to pay to borrow money. You want a copy of your credit report to: - Make sure the information is accurate, complete, and up-to-date before you apply for a loan for a major purchase like a house or car, buy insurance, or apply for a job.
- Help guard against identity theft. That’s when someone uses your personal information — like your name, your Social Security number, or your credit card number — to commit fraud. Identity thieves may use your information to open a new credit card account in your name. Then, when they don’t pay the bills, the delinquent account is reported on your credit report. Inaccurate information like that could affect your ability to get credit, insurance, or even a job.

Question:Should I order my reports from all three of the nationwide consumer reporting companies at the same time?

Answer:You may order one, two, or all three reports at the same time, or you may stagger your requests. It’s your choice. Some financial advisors say staggering your requests during a 12-month period may be a good way to keep an eye on the accuracy and completeness of the information in your reports.

About Equifax

Equifax Inc. is a global leader in information solutions. It provides information to various businesses and consumers. It is one of the largest sources of consumer and commercial data, along with advanced analytical skills and proprietary technology. This allows customers to derive necessary information and useful data of their personal and financial matters, which in turn allows them to enhance their lives and performance of their business.

Since 10 decades, customers have trusted Equifax for its excellence in the field of delivering needful information and solutions. The integrity and reliability of Equifax  has made a mark which allows consumers to trust and depend on this organization. It’s never been easier for you to get your average credit score.

Equifax  has always given prime importance in delivering innovative solutions to its customers. Consumers and businesses can now rely on it for their credit check, credit intelligence, portfolio management, fraud detection, decisioning technology, marketing tools & many other needful queries.

Equifax creates an environment for their consumers, where they can manage their personal credit information, protect their identity, and maximize their financial point, reinforces their business management method. You may try out the equifax free credit report to judge its applicability to your organization.

Products and services:

Equifax has one of the most impressive and well equipped products and services for its consumers. It has given prime importance to develop its services and products in order to provide the best customer satisfaction.

Although Equifax has endless services to offer to its consumers, some of the core and most significant products and services are summarizedbelow:

Equifax has mainly two divisions of products and services.

Commercial Solutions:

Commercial solutions include Data Management, Account Opening/ Loan Origination, Compliance, Portfolio Management, Automotive, Communications & Utilities, Healthcare, Mortgage, Collection & Recovery, Risk Services, Prevention and Protection, Acquisition, Cross-Sell & Up sell and Retention. These products and services are commercial in nature and are for those kinds of consumers who need these services in day to day life. In short these services can be treated as commercial services of “Equifax” for the society.

Consumer Solutions:
 
Consumer solutions include Data Management, Prevention, Acquisition, Cross-Sell/Up-Sell, Retention, Marketing Services, Fraud Advisor and ID Advisor, Database Services, ID Score  Risk Prevention Business Class List Builder, APPRO Business and many other Commercial Marketing Services. These services are generally provided to the business classes by Equifax. You can ask for  a totally free credit report today.

Importance:

Undoubtedly, the amount of management services that Equifax provides to its consumers has made a remarkable progress in the field of information and solutions making a huge impact on delivering innovative solutions to its customers.