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  • Equifax Credit Score and Credit Report

    Equifax Credit Information Services Private Limited is a Credit Information Company (CIC) or a credit bureau. Similar to other credit bureaus in the country, Equifax is licensed by the Reserve Bank of India (Certificate of Registration, under the Credit Information Companies Regulation Act 2005). Equifax is functions in India as well as few other countries. The bureau is registered as Equifax Credit Information Services Private Limited (ECIS) and Equifax Analytics Pvt Ltd. in India. It is a joint venture between Equifax Inc., USA and seven other Indian financial institutions such as Religare Finvest Limited, State Bank of India, Bank of Baroda, Kotak Mahindra Prime Limited, Sundaram Finance Limit, Bank of India, and Union Bank of India.

    How Can I Get My Free Equifax Credit Report?

    Since January 2017, it has become mandatory for all credit bureaus in the country to offer one free credit report to consumers in a financial year. The process of getting a free credit report has become easier over time. In order to get a free Equifax credit report, you have to download the Equifax mobile application. It is available on Android and iPhone. Here is the process to acquire the free Equifax Credit report via the Equifax app:

    1. Login to the Equifax App on Android or iPhone: After downloading the app on your smartphone, you will have to provide your email address in order to receive a temporary pin. You will need to login to the app using your email address and the temporary pin in order to create a 6-digit login.
    2. Authenticate yourself/KYC: You will have to provide all your personal information along with Aadhaar number to verify your identity. Once your authentication is successful, you will receive a one-time password on your Aadhaar registered mobile number. After you receive the one-time password, enter in the Equifax App.
    3. Receiving your Credit Report: Provide personal details including your gender, date of birth, and address. You will also need to give identification (ID) like Passport, PAN or, Voter ID. You will have to wait for 24 hours after you successfully complete the first step and then login to the Equifax App to authenticate your identity. The authentication will be based on your credit history and you will need to answer the account based questionnaire. You will have four attempts to answer three questions based on your credit history to authenticate yourself. After you successfully verifying your identity, you will receive your credit report on your registered email address. It must be noted that your credit report will be password protected. Equifax will generate a unique password for your report, which will be sent to the mobile app in your phone. You will have to login to the Equifax app in order to retrieve the password following which you can access your Equifax credit report.

    Note: Individuals who don’t have a smartphone or Aadhaar can get receive their credit report by sending scanned copies of KYC documents to the Equifax credit bureau in an email along with a form.

    How do I Maintain a Good Equifax Score?

    • Fix your payments: One of the biggest factors that affect your credit score is repayment behaviour, hence, it is important to pay all your bills and EMIs on time.
    • Pay amount in full: It is advised to pay your credit amount in full and avoid paying minimum balance due. This hampers your credit score and also projects you as credit hungry.
    • Don’t close old accounts: When you delete your old credit accounts, it cuts your credit history. This will negatively affect your credit score. The age of your credit is the another biggest factor that comprises credit score.
    • Avoid multiple credit enquiries: You should avoid making multiple credit enquiries as this will trigger hard checks. The bank will carry out a hard check to determine your creditworthiness, however, each hard check reduces your credit score.
    • Monitor credit report: It is a good habit to monitor your credit report from time to time as an error in your credit report can bring down your credit score. If you come across any errors in your credit report, you should dispute them at the earliest.

    Frequently Asked Questions (FAQ)

    1. How much does an Equifax report costs?
    2. You can avail 1 free credit report from Equifax in a financial year. In order to get more than one credit report, you will have to pay Rs.400 (excluding GST). This credit report will also have your credit score.

    3. Does credit information in my Equifax credit report get updated every month?
    4. Generally, members such as banks and financial organizations provide credit information to the credit bureau on a monthly basis. Your Equifax credit report will be updated as soon as data is updated in the database.

    5. What is an Equifax Credit Score?
    6. Equifax Credit Score is a numerical representation of an individual’s creditworthiness. It is a three-digit number that ranges from 300-900. The Equifax credit bureau generates the score based on the information provided by the financial institutions.

    7. What is an Equifax Credit Report?
    8. Equifax Credit Report is a summary of an individual’s credit history and repayment behaviour. It contains information regarding an individual’s history of credit payment across various loans and also institutions over a period of time.

    9. Is my Equifax credit report accessible to anyone?
    10. No. Only you and authorised members of the Equifax credit bureau have access to your credit report. These authorised members are defined by the Credit Information Companies (Regulation) Act, 2005. Also, only those people whom you have granted consent to check your report when you apply for a loan or a credit card have access to your credit report.

    Equifax - Sitemap

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    Credit Report Reviews

    • Experian Credit Report
      "Experian credit report"
      0.5 5.0/5 "Blown Away!"
      I checked my credit score in bankbazaar web site ,it has given score with in span of seconds. I wondered ,it is free of cost for checking. It is really a wonder. Congrats to bankbazaar team members . Thanks a lot once again to all bankbazaar team members
      Was this review helpful? 15
      ,
      Reviewed on Apr 05, 2019
    • Experian Credit Report
      "Realiable credit score"
      0.5 4.5/5 "Excellent!"
      I checked my credit score in bank bazar website. It gave instantly with all my banking past history. It was very much useful. It helped me know my credit status report at no cost . It only required few hassle free clicks and that over.Really appreciable!
      Was this review helpful? 28
      ,
      Reviewed on Mar 24, 2019
    • Experian Credit Report
      "Credit Score Tracking"
      0.5 4.5/5 "Excellent!"
      I am using bank bazaar features from last few years. Service provided by bankbazaar is good when compared to others in the market . Customer service is good and their response is good. One step solution for all you banking needs . A periodic tracking of your credit score is maintained well and kept updated in email as and when new scores arrive .
      Was this review helpful? 38
      ,
      Reviewed on Mar 08, 2019
    • Experian Credit Report
      "Very nice"
      0.5 5.0/5 "Blown Away!"
      Thanks I visited a number of sites on regards in the above matter, but what ever the response I got through bank bazar was marvellous and extra ordinary.... Thanq for providing such easy platform for getting in touch to obtain the debit cards so easily.
      Was this review helpful? 38
      ,
      Reviewed on Mar 02, 2019
    • Experian Credit Report
      "Good service"
      0.5 3.5/5 "Pretty good"
      I am using the services of bankbazaar from last 1 year. I checked my credit score using the mobile app which was user friendly and easy to use. Customer service was good and their response was on time. I found all the information at one place on the mobile app.
      Was this review helpful? 54
      ,
      Reviewed on Feb 26, 2019
    • Experian Credit Report
      "Best Service"
      0.5 5.0/5 "Blown Away!"
      I have been using the services of bankbazaar from last 5 months. Customer service is fine with bankbazaar and their response was prompt. The website of bankbazaar was easy to use and was user friendly. It was easy to fill the details and check the credit score.
      Was this review helpful? 53
      ,
      Reviewed on Feb 26, 2019
    • Experian Credit Report
      "Good service"
      0.5 4.0/5 "Great!"
      I had received a mail communication from bankbazaar advising me to check the credit score. Though this was my first experience it was simply superb. As far as the level of service is concerned it was good also the response was on time.
      Was this review helpful? 48
      ,
      Reviewed on Feb 26, 2019
    • Experian Credit Report
      "Good service"
      0.5 4.0/5 "Great!"
      I was checking on google for personal loans and then i came to know about bankbazaar. The services provided by bankbazaar was good and their response was prompt. The website of bankbazaar is easy to use and also user friendly.
      Was this review helpful? 47
      ,
      Reviewed on Feb 26, 2019
    • Experian Credit Report
      "Good experience"
      0.5 4.5/5 "Excellent!"
      I was looking out for a personal loan and I ended up reaching this site for checking my credit score. The report was very much accurate and informative too. It hardly took 5 minutes for me to fetch the report. Coming to the website even that was very much user friendly.
      Was this review helpful? 46
      ,
      Reviewed on Feb 26, 2019
    • Experian Credit Report
      "Good experience"
      0.5 4.0/5 "Great!"
      Nothing new nor there was no specific reason for checking the credit score infact this is my first experience. It hardly took few minutes for me to fetch the credit report. The report was very much accurate and informative too. Even the response was equally good.
      Was this review helpful? 40
      ,
      Reviewed on Feb 26, 2019
    • Experian Credit Report
      "Good experience"
      0.5 4.0/5 "Great!"
      I did not encounter any issues at the time of fetching the credit report. I have checked my credit score previously too and I would certainly say it was a good experience. It hardly took 2 to 3 minutes for me to fetch the score. According to me the report was accurate,informative and perfect.
      Was this review helpful? 44
      ,
      Reviewed on Feb 26, 2019
    • Experian Credit Report
      "Good experience"
      0.5 4.5/5 "Excellent!"
      To start off, it was a good experience at the time of fetching the credit score. This is the first time i have checked the credit score because i wanted to get the credit card. Report was accurate and was informative. It was easy to fill the details and get the report. In all it was a smooth process.
      Was this review helpful? 43
      ,
      Reviewed on Feb 26, 2019
    • Experian Credit Report
      "Best Service"
      0.5 5.0/5 "Blown Away!"
      I being a Customer of Bankbazaar for the past 1.5 years, thought of checking my credit score on this website. Their customer care executives were kind enough to explain to me about the features and benefits of credit score in detail. I would end up saying that it was a hassle free experience of fetching the credit score.
      Was this review helpful? 52
      ,
      Reviewed on Feb 24, 2019
    • Experian Credit Report
      "Best Service"
      0.5 5.0/5 "Blown Away!"
      Basically, it was through advertisement I got to know about this website. This is my experience and it is the best too. The Customer service has always been a top notch here. Talking about the website it is very much user friendly and it is very easy to use as well.
      Was this review helpful? 47
      ,
      Reviewed on Feb 24, 2019
    • Experian Credit Report
      "Good service"
      0.5 4.0/5 "Great!"
      I came to know about bankbazaar through mails and this was my first time experience. Customer service was good and their response was on time. I am using the mobile application of bankbazaar, it is user friendly and easy to use.
      Was this review helpful? 38
      ,
      Reviewed on Feb 24, 2019
    • Experian Credit Report
      "Nice experience"
      0.5 4.0/5 "Great!"
      This review is all about my experience of fetching the credit score, though I dont have any reason for checking the credit score but it was useful for me. I was able to fetch the report successfully moreover I did not find any discrepancies with the report since it was accurate and perfect.
      Was this review helpful? 45
      ,
      Reviewed on Feb 24, 2019
    • Experian Credit Report
      "Best experience"
      0.5 5.0/5 "Blown Away!"
      Hi all, I am a loan seeker and I wanted to check my credit score and that is why I checked my credit score here. I basically like the outlook and the website design. On top of all that, the report fetched was 100% accurate and it was flawless too..
      Was this review helpful? 49
      ,
      Reviewed on Feb 24, 2019
    • Experian Credit Report
      "Good experience"
      0.5 5.0/5 "Blown Away!"
      The key factor which made to check my credit score was few months ago my credit score was down so i just wanted to check my credit score and I ended up checking my credit score here. Even the website was user friendly. The report was accurate and it was informative too.My experience was completely hassle free.
      Was this review helpful? 50
      ,
      Reviewed on Feb 24, 2019
    • Experian Credit Report
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      Well, I appreciate the efforts taken by Bank Bazaar in providing the credit score feature, in fact it is an excellent idea too. Basically, I got to know about Bank Bazaar through their promotional mails. Therefore I advise all my friends and colleagues to explore all the features and to reap the benefits offered by Bank Bazaar.
      Was this review helpful? 48
      ,
      Reviewed on Feb 22, 2019
    • Experian Credit Report
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      I tried fetching my credit score one month back and that is how I started my interaction with Bank Bazaar. It all went well where I had applied for the credit check through internet followed by which, I had received a call from their executives who gave the next steps and finally my credit report was fetched effortlessly.
      Was this review helpful? 49
      ,
      Reviewed on Feb 22, 2019
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