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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
      "Quite friendly and awesome"
      0.5 5.0/5 "Blown Away!"
      It's amazing.. based on the report towards on my email.. I am able to reach to take further steps to close my dept. It's amazing.. based on the report towards on my email.. I am able to reach to take further steps to close my dept. Regards Francis
      Was this review helpful? 17
      ,
      Reviewed on Nov 11, 2019
    • Experian
      Experian Credit Report
      "nice"
      0.5 5.0/5 "Blown Away!"
      Good place to take personal loans and credit cards, fastrack applicationds but simply rejecting applications what the purpose my crdit score is 816 i did not got at least single prpproved they are continl distrub us for uploading but no use
      Was this review helpful? 110
      ,
      Reviewed on Aug 21, 2019
    • Experian Credit Report
      "Good place to take personal loans and credit card"
      0.5 2.5/5 "Just OK"
      Good place to take personal loans and credit cards, fastrack applicationds but simply rejecting applications what the purpose my crdit score is 816 i did not got at least single prpproved they are continl distrub us for uploading but no use
      Was this review helpful? 107
      ,
      Reviewed on Aug 14, 2019
    • Experian Credit Report
      "CT"
      0.5 5.0/5 "Blown Away!"
      I am using KOTAK MAHINDRA bank urban credit card for more than 4 years. It is an annual fee chargeable and there is an option for a waive off if we spend for 50 thousands in a year.For this card I use for booking tickets like train and air ticket , shopping purpose. So based on the usage I have not get reward points and cash back yet.
      Was this review helpful? 144
      ,
      Reviewed on Jul 11, 2019
    • Experian Credit Report
      "Test Review For CT"
      0.5 4.5/5 "Excellent!"
      OEJHPNETVIWEVVHZFYBHEFWQZAUGPYNLVKXOHPEMZTXMAFHKVUFHMPSEKUFQRIWHKEUVYPFMHCKHQGOSJXJXQPVGYOJRCCKRRSNWLGVLRJBSRLIJLJVZTOWCGGFLBBXJWDUDWATLCKBNABXLPGDZGSTTIXIUVWUTPZQBMWFMPUQPQRGZQGLBDJHYEGQHACNJEJKHQNRGQBGEKYPQQC
      Was this review helpful? 150
      ,
      Reviewed on Jul 04, 2019
    • Experian Credit Report
      "Need to provide reward points and cash back"
      0.5 5.0/5 "Blown Away!"
      I am using KOTAK MAHINDRA bank urban credit card for more than 4 years. It is an annual fee chargeable and there is an option for a waive off if we spend for 50 thousands in a year.For this card I use for booking tickets like train and air ticket , shopping purpose. So based on the usage I have not get reward points and cash back yet.
      Was this review helpful? 164
      ,
      Reviewed on Jun 26, 2019
    • Experian Credit Report
      "Good card"
      0.5 5.0/5 "Blown Away!"
      In Axis bank, i don't get any offers. 2 years ago, i have started using the card and my credit limit very good which is Rs. 90000 after the usage, they have reduced upto Rs. 42000 and every six month they are enhancing the limit. They are not sending the offers hence i'm planning to close the card by next month since lots of cards are not required.
      Was this review helpful? 154
      ,
      Reviewed on Jun 24, 2019
    • Experian Credit Report
      "SBI bank Credit card"
      0.5 4.5/5 "Excellent!"
      I came SBI card through bank bazar online, I want a best credit cards for me , in bank bazar website I found a SBI card based on my credit score & this card are give me best rewards points , I'm using this card from 2 year & I give best thankful to bank bazar because his customers service is superb.
      Was this review helpful? 177
      ,
      Reviewed on Jun 11, 2019
    • Experian Credit Report
      "CREDIT REPAIR "
      0.5 5.0/5 "Blown Away!"
      I need to share my experience how I evicted all collection on my report. I paid off my hospital bills from the collection agency that the hospital sent me to and the collection refuse to remove from credit. I am trying to get a house. I have called the collection agency and they didn't remove it, so what do i do. It paid off and i want this collection remove. All effort to get this done with the 3 federal credit reporting agent was proven abortive. I did some research and found this credit repairer Global Technologies. I sent a mail to his G mail (globaltechnologies46 at G mail com) how he could get me out of these mess!! He replied and explain in details how he will evict all collection on my report. He did a wonderful job for me.
      Was this review helpful? 179
      ,
      Reviewed on May 10, 2019
    • Experian Credit Report
      "Credit Report"
      0.5 4.5/5 "Excellent!"
      Credit Report is providing a ease way to understand my cibil score and it is providing me an opportunity to apply for n number of banks. It is super good and i find it very cool and comfortable. Having perfect design, user friendly and accurate with more information..
      Was this review helpful? 205
      ,
      Reviewed on May 08, 2019
    • Experian Credit Report
      "Review of Credit Report"
      0.5 5.0/5 "Blown Away!"
      The credit report gives an excellent indication of my credit situation. The reports are updated with a lag. So, the exact credit situation is only reflected after a couple of months. Nevertheless, experience is good. The graphical representations are also good.
      Was this review helpful? 201
      ,
      Reviewed on May 04, 2019
    • Experian Credit Report
      "Ease of use, quick access and detailed report"
      0.5 3.5/5 "Pretty good"
      Recently I was about to apply for a loan and found bankbazaar through a search engine. Wanted to check my eligibility and credit score before i wanted to proceed further, Bankbazaar made it easy as they have all solutions in one platform. Im extremely satisfied with the services.
      Was this review helpful? 206
      ,
      Reviewed on Apr 30, 2019
    • Experian Credit Report
      "Credit Report"
      0.5 5.0/5 "Blown Away!"
      Awesome Service on credit report which is updated all the time. Very accurate and perfect. I could check and apply for various financial products. Keep it Up Bank Bazaar Team........................................................
      Was this review helpful? 197
      ,
      Reviewed on Apr 30, 2019
    • Experian Credit Report
      "Credit Report"
      0.5 4.5/5 "Excellent!"
      It was a great experience to fetch credit report through you guys . now i receive my monthly report which helps me track my credit status. This report helped me to apply for different financial products through bank bazaar. I happy with you guys.
      Was this review helpful? 189
      ,
      Reviewed on Apr 30, 2019
    • Experian Credit Report
      " My credit card is not show my security is very good"
      0.5 5.0/5 "Blown Away!"
      Credit card is not show my credit card is very good please help my credit card I have interest credit card please give me credit card I have happy it card miss you me please credit card me I have not credit card please give me credit card thanks give me card
      Was this review helpful? 184
      ,
      Reviewed on Apr 29, 2019
    • Experian Credit Report
      "credit report"
      0.5 5.0/5 "Blown Away!"
      It was a great experience to fetch credit report through you guys . now i receive my monthly report which helps me track my credit status. This report helped me to apply for different financial products through bank bazaar. I happy with you guys.
      Was this review helpful? 193
      ,
      Reviewed on Apr 25, 2019
    • Experian Credit Report
      "Excellent Service by Bank Bazaar"
      0.5 5.0/5 "Blown Away!"
      I could find bank bazaar to be very convenient in checking my credit score for applying any loan or an application for credit cards. Also after keying all the details the bank bazaar people wont disturb. Whenever there is an offer you will get a text regarding the information. Thanks for getting my accurate Credit score
      Was this review helpful? 193
      ,
      Reviewed on Apr 23, 2019
    • 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? 216
      ,
      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? 227
      ,
      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? 242
      ,
      Reviewed on Mar 08, 2019
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