Equifax is one of the famed "big three" credit reporting bureaus and they provide consumers with access to a large amount of credit information. Though they do offer other services, their primary product is the Equifax credit report, which fills consumers in on their FICO credit score, as well as all of the other information that prospective lenders and employers have access to.
Most customers choose the Equifax report since it is easy and clear to understand compared to other credit reporting agencies.
What will my credit history report include?
The money that you put into an Equifax credit report is well worth it - you'll get the credit report and something extra as well. Through Equifax's website, you'll immediately have full access to your credit report and FICO score. What your creditors know will no longer be a mystery, and you won't have to wait on the mailman to see what your credit report reveals.
You will be able to see whether or not you have a good payment pattern, if you have excessive inquires, and any other paying habits that you might not be aware of. This will give you all of the information that you need in case you have to contact the creditor in charge of one of your former accounts.
In addition to that, the Equifax credit report will break down, in simple terms, the things that you need to understand and take away from the credit report. Often times, these reports can give you information that is difficult to understand.
Equifax confirms that you know, to the point, what is happening with your bankruptcy score or other scores in the report. Apart from having the information, you will also have a clear knowledge of what each part of report is and how it affects your credit score.
The "Interactive Score Simulator" offered by Equifax makes it popular since it helps consumers understand their credit scores better. You can know the impact of your credit score with the ability of this tool. Based on the report, you can plan to get your credit back on track.
Perhaps you need a secured credit card or you might have to start rebuilding your credit through a high interest credit card. Whatever the case, the Equifax credit report will help you get started on this.
The primary Equifax credit report that you will find on the website is called ScorePower. This is their basic package that gives you access to whatever you need. On the site, you will see that there are options for other packages, as well.
When signing up for the ScorePower report, which costs $15.95, you will be prompted to sign up for these other products, as well. You likely won't need those other products, such as credit monitoring, because having access to your credit report will give you the ability to monitor it for yourself. In addition, you will be happy to know that when you get your Equifax credit report online, it gives you excellent customer support, as well as the ability to quickly and effectively dispute any inaccurate portions of the report.
About the Author:
Being one of the top three credit reporting bureau in the business, Equifax deliver to clients access to their FICO scores and their own Equifax credit report.
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