Equifax Credit Report

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Equifax Credit Report–Security Tightly Wrapped In A Package Report

Which of the 4 parts of a credit report is affecting your score the most? What… you don't know the “4 parts”? Don't worry; most consumers don't know this answer until getting ready to apply for big financial loans. Equifax Credit Report is inexpensive and an easy way to gather all your credit answers in one location.

Most consumers don't realize their credit may contain errors until financial lenders push them away. Don't get angry with the messenger though – many of these mistakes come from the originator, such as a credit card company or how certain information like your social security number was entered. Equifax – one of the top “Big 3” credit bureaus in the nation - will go over this information in detail with you so you understand if your credit report needs a few tweaks here and there.

Staying In Check

The main four parts of a credit report are (1) personal information, (2) credit history, (3) inquiries, and (4) public records. An optional fifth part is “statements of disputes”. You must supply certain personal information before acquiring an Equifax Credit Report, for $9.00 (available online at http://www.equifax.com ). Some of this information includes your name, address (past and present), social security number, date of birth, and employers. Your credit history is a detailed list of accounts such as bank accounts and some necessary details, less checking or saving account balances. Any permissible inquiries, such as by mortgages or landlords, are listed. As for any state or federal public records, bankruptcies, liens and child support information is listed as well.

Equifax's Learning Center and Customer Service can assist you in disputing any errors. The best move you can make to ensure you will qualify for future loans is to take the steps to improve and protect your credit history, score and rating by closely reviewing your credit report.

A Free Credit Report

Thanks to Equifax and two other top credit bureaus (Experian and TransUnion), a federal law called FACT (Fair Accurate Credit) Act entitles you to receive a one-time free credit report during a 12-month cycle from one of these “Big Three”. (For the rollout schedule in your region and starting date, visit AnnualCreditReport.com .)