Equifax’s consumer credit bureau provides credit information report (CIR) which consists of various pertinent details such as delinquent accounts, new account openings, repayment history and inquiries made on a customer among others. Banks always check the credit score of loan applicants to ensure that they do not end up giving bad loans. A healthy credit report sends a positive signal to the lenders about the repayment capacity of a borrower.
How to access Equifax credit report
Registered Equifax members can access their credit reports by filling in the credit report request form in four steps as listed below:
The KYC form (request) has to be duly filled in by a customer for acquiring his credit report. The KYC form can be received via regular post
Copies (self-attested) of identity and address proof have to be attached with the form
A customer has to pay Rs.400 for acquiring both credit report and score and Rs.138 for basic credit information report
All the aforementioned documents have to sent via speed post, regular post or courier to Equifax
Equifax credit report: Documentation Required
The following table shows the documentation required for submission along with the credit report request form
Documents (any one)
Valid passport (self-attested copy)
PAN card (self-attested copy)
Driving license (self-attested copy)
Voters ID card (self-attested copy)
Aadhaar card (self-attested copy)
Registered Rent Agreement
Mobile/ telephone bill (copy)
Electricity bill (copy)
Ration card (copy)
Bank statement (copy)
Credit card (copy)
Guidelines for credit report request form
Customers need to follow certain guidelines as listed below:
The ID number of a customer should be legible on the card
The photo of a customer on his or her ID card should be visible
Latest copies of bills should be submitted (3 months)
The name and address of a customer should be mentioned in the bill
The following table shows the payment guidelines for credit report request form
Payments should be made through demand drafts only. Equifax will not accept any other mode of payment
The demand draft is to be crossed. Account payee should be mentioned. The DD should be payable in Mumbai
A customer should mention his name and phone number on the back of the demand draft
If a customer sends a cheque instead of a demand draft, Equifax will not consider it valid and destroy it
The fees is not refundable
Equifax accepts payments through netbanking as well
Equifax credit report request form
A customer has to provide several details in the credit report request form as listed below:
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