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  • How to Check Equifax Credit Report

    EquiFax is an online credit service that provides its customers with free credit reports for their financial uses. With just some basic details like the customer’s name, age, and address, one can easily access their credit report through Equifax.

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  • What does a Basic Credit Information Report contain?

    A Basic Credit Information Report typically contains five parts, as mentioned below:

    • Details about a consumer, including his/her age, name, address and Identification
    • A summary of the credit of an individual, providing an overview of the basic credit traits
    • Details of all recent financial activities of a consumer
    • The repayment history of an individual which is segmented into different accounts
    • Information about all credit inquiries made by an individual

    How to check your Equifax Credit Report?

    Checking the Equifax Credit Report is a simple process, but an individual should complete a few formalities before he/she receives a report, with these steps highlighted below.

    • KYC formalities: To be qualified for a credit report, a consumer must first satisfy the KYC requirements by filling out the KYC request form. A potential customer can request the KYC form by mailing it to Equifax or writing them a letter.
    • Documents: Relevant documents should be provided with the form to confirm identity. These documents could be either self-attested ID or address proof
    • Payment: An Equifax Credit Report is not free and a consumer will have to pay the necessary amount in order to receive it. The cost to receive a score is Rs.400 while it is Rs.138 to have access to the basic report, with the amount to be paid via a DD in favour of Equifax
    • Submission: The money along with all relevant documents should be sent to the Equifax office either through courier or post

    Eligibility to check your Equifax Credit Report

    A consumer should fulfil certain basic eligibility criteria in order to receive a credit report, submitting the following documents along with an application form.

    • Copy of self-attested ID proof. This can be either a Driving License, Voters ID Card, Aadhar card, Passport or PAN card.
    • Copy of valid address proof. This can be either a telephone bill, ration card, driving license, registered rent agreement, bank statement or electricity bill.
    • An individual should ensure that the document in question is not more than 3 months old, with a clear picture and address details.

    The only way to pay for a report is with a crossed Demand Draft that includes the name and phone number of the customer and the amount that must be paid. The only address that may be mentioned with this DD is "Equifax Credit Information Services Private Limited, Mumbai." Cash or checks cannot be used as payment methods to obtain a report.

    Access to Equifax Credit Report

    Personal financial information is included in an Equifax credit report, which is not available for public access. Only registered users get access to their report, and no other third parties are given access to an individual's report. Institutions that have joined Equifax as members, on the other hand, have access to credit reports of individual members in order to assess their creditworthiness and offer financing.

    FAQs on How to Check Equifax Credit Report

    1. Can I get a free credit report from Equifax?
    2. Yes, you can get a free credit report from Equifax. A customer is entitled to a free credit report every 12 months.

    3. How can I get my whole Equifax report?
    4. Contact the number (877) 322-8228. Your Equifax credit report will be mailed to you once you complete the phone identification verification process, and it will take up to 15 days.

    5. What is considered a good Equifax credit score?
    6. An Equifax credit score between 670 to 739 is considered good.

    7. How much does it cost to get the Equifax credit score?
    8. It will cost Rs.400 to receive the Equifax credit score.

    9. Is Equifax credit score accurate?
    10. Yes, the credit score provided by Equifax is accurate.

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