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Home > Free Credit Report > Personal Credit Report > Get A Personal Credit Report from Equifax

Get A Personal Credit Report from Equifax

Your personal credit report works as the license in your drive for a loan. If you know the status of your credit score mentioned in your personal credit report, you can save your time and progress further in your mission. In America, there are three big credit-reporting agencies that carry absolute authority: Experian, Equifax and Trans Union. This article focuses on Equifax.

Since 1899, Equifax has established a distinguished track record as an industry leader by providing customers with powerful solutions for their credit needs. The road to success has been paved by maintaining a strong focus on strategic growth, product development, and technology innovation to deliver powerful solutions to their customers. Today, Equifax is a global service provider with over $1.2 billion in annual revenues and 4600 employees in 17 countries. If you go for a personal credit report from Equifax, you can rest assured that you are reposing your faith in one of the most trusted and respected financial information companies in the world.

At Equifax, your personal credit report is generated by collecting data from more than 15,000 different sources. Extensive research is done on every aspect of your credit report before it is published. They also do sensible financial planning for your benefit.

At Equifax, your personal credit report is counted as a trustworthy document where all of your credit information is mentioned. How well you have met your financial obligations, who did you borrow from in crunch situations; all this is in your Equifax credit report. Sometimes your Equifax credit report is also known as credit history or credit file. This credit file contains a lot of your personal information like: name, date of birth, your addresses (present as well permanent), phone number, social security number, driving license, and so on.

Equifax touches consumers' lives every day by providing information on their personal credit reports that helps them make purchases, secure loans, pay for college educations, and manage their personal finances. They see their role as that of a trusted guardian of consumer credit information and it is a role that they do not take lightly. Equifax maintains rigid standards to ensure that their data is accurate and private. They have long recognized the importance of safeguarding the confidentiality and accuracy of sensitive consumer data. After all, they are consumers themselves--with families and financial goals and dreams just like yours.

Your Equifax Personal Credit Report offers you:
--Instant online access to your user-friendly credit report
--Credit card details and loan analysis opened in your name
--Complete picture of your payment history
--Negative account history to identify any error that may adversely affect you
--Record and information of companies that reviewed your credit history and score
--Online assistance to fix any kind of error
--Educational tips, guidance and suggestions to help you understand your report
--Access to friendly Customer Care Service seven days a week

An Equifax personal credit report presents your personal credit information in easy to read formats. Moreover, two types of scoring models are used to simplify the personal credit report evaluation process. These two scoring models are the credit score and the insurance score. Credit score is a kind of grade that indicates how likely you are to pay back a loan on the agreed terms. Developed by Fair, Isaac as the FICO score, this model of credit report is used by the majority of lenders to evaluate your credit history.

Insurance score is another type of scoring model for a personal credit report. Several companies use an insurance score based on your personal credit report in the underwriting process.

To sum up, at Equifax, emphasis is given on delivering value to the customers and partners, who are striving to understand and meet their unique needs as far as their personal credit report is concerned. But if you find any kind of inaccuracy, you are encouraged to initiate an online investigation or contact the dispute center on its toll-free number. Equifax would take any steps to solve your problems.




 
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