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Equifax
What Is Equifax?
Equifax is one of the three major credit bureaus in the United States.
It gathers financial data from lenders and compiles credit reports used by banks, credit card issuers, and other financial institutions. Learn more and visit www.equifax.com.
What Equifax Does
Equifax:
- Collects account and payment data
- Maintains credit files
- Provides reports to lenders
- Offers consumer credit monitoring tools
Your Equifax credit report may not be identical to reports from other bureaus.
Why Equifax Matters
Lenders may rely on Equifax data when evaluating loan applications.
Reviewing your Equifax report regularly helps:
- Catch errors
- Monitor activity
- Protect against fraud
FAQs About Equifax
Is Equifax free to access?
You can access your free annual credit report.
Was Equifax involved in a data breach?
Yes, in 2017, affecting millions of consumers.
Can I freeze my credit with Equifax?
Yes, for free.
Does Equifax determine loan approval?
No. Lenders make the final decision.
Related Terms
