Finance Blog

Stay financially savvy with the Equifax Advisor.

Sign up for our FREE Monthly Email Newsletter


Thank you for signing up for the FREE Equifax monthly newsletter

In addition to keeping in the financial know, you may be interested in checking your credit score and report.

Understand your credit. Help protect your identity.

Equifax Complete™ Premier Plan

  • Know What May Influence Your Credit Score and Be Alerted of Changes
    Credit score monitoring with custom alerts
    Important Disclosure: The Equifax credit score and 3-Bureau credit scores are based on an Equifax credit score model and are not the same scores used by 3rd parties to assess your creditworthiness.¹
  • Help Protect Your Identity
    Automatic fraud alerts encourages lenders to take extra steps to verify your identity²
  • Lock Your Credit
    The ability to lock and unlock your Equifax Credit Report³
Save 75% your first 30 days with the purchase of Equifax Complete™ Premier

$4.95 for the first 30 days, then $19.95 per month thereafter. You may cancel at any time; however, we do not provide partial month refunds.4

¹The credit scores provided under the offers described here use the Equifax Credit Score, which is a proprietary credit model developed by Equifax. The Equifax Credit Score and 3-Bureau scores are each based on the Equifax Credit Score model, but calculated using the information in your Equifax, Experian and TransUnion credit files. The Equifax Credit Score is intended for your own educational use. It is also commercially available to third parties along with numerous other credit scores and models in the marketplace. Please keep in mind third parties are likely to use a different score when evaluating your creditworthiness. Also, third parties will take into consideration items other than your credit score or information found in your credit file, such as your income.

²The Automatic Fraud Alert feature is made available to consumers by Equifax Information Services LLC and fulfilled on its behalf by Equifax Consumer Services LLC.

³Equifax Credit Report Control™ is only available while you have a current subscription to Equifax Complete Premier. Locking your credit file with Equifax Credit Report Control will prevent access to your Equifax credit file by certain third parties, such as credit grantors or other companies and agencies. Credit Report Control will not prevent access to your credit file at any other credit reporting agency, and will not prevent access to your Equifax credit file by companies like Equifax Personal Solutions which provide you with access to your credit report or credit score or monitor your credit file; Federal, state and local government agencies; companies reviewing your application for employment; companies that have a current account or relationship with you, and collection agencies acting on behalf of those whom you owe; for fraud detection and prevention purposes; and companies that wish to make pre-approved offers of credit or insurance to you. To opt out of such pre-approved offers, visit www.optoutprescreen.com/.

4We will require you to provide your payment information when you sign up and we will immediately charge your card $4.95. After that, we will charge the card $19.95 for each month you continue your subscription. You may cancel at any time; however, we do not provide partial month refunds.

Equifax® is a registered trademark and Equifax Complete™ Premier is a trademark of Equifax, Inc. © 2014, Equifax Inc., Atlanta, Georgia. All rights reserved.

Credit Report Update: How Is Information Updated on My Credit Report?

Written by Robin Holland on July 26, 2010 in Credit  |   8 comments

Credit Report Update: How Is Information Updated on My Credit Report? By Robin Holland Ever wonder how the information about your identity and financial history ends up on your credit report? It can be an incredibly detailed report-where does all that information come from? The…

Credit report updates-how your information is collectedCredit Report Update: How Is Information Updated on My Credit Report?
By Robin Holland

Ever wonder how the information about your identity and financial history ends up on your credit report? It can be an incredibly detailed report-where does all that information come from?

The credit-reporting agencies aren’t watching over your shoulder, having a private eye get the dirt on you, or paying anyone for your records.

Your credit report contains information from the companies that have granted you credit in the past and those with whom you have open accounts. Credit-reporting agencies get their information from retailers, credit card companies, lenders, banks, collection agencies, and public records.

When you enter into an agreement with a creditor, the information you provide them is included on your credit report as a reflection of that agreement.

Your contract with your creditors, whether it’s a mortgage or a credit card agreement that kicks in after your first purchase contains all of the requirements of your relationship or the terms of use with them, but a lot of people forget to read the fine print.

Most contracts are going to include the basic requirements of your payment terms. If you fulfill the terms of your payment agreement, that will be reflected on your credit report. If you don’t live up to your end of the deal and you make late payments or no payments at all, your creditors are going to voluntarily report this information to the CRA’s, and this information will show up on your credit report.

The credit reporting system works because it streamlines the interaction between consumers and creditors, because by and large everyone works together. The creditors want to provide accurate information to the credit-reporting agencies because it makes their decision-making process easier (e.g. instant credit offers).

One of the complaints we hear from consumers is that different information appears on credit reports from each of the three credit-reporting agencies. This can happen because not all creditors report to all three credit reporting agencies. While the majority do report to all three, some creditors report to only one of the three agencies, while others may not report to any at all.

What if the missing information is a positive account that you want to show up on all of the reports and you personally want to report it to the CRA’s? Unfortunately, data is carefully regulated, and there are industry reporting standards, so self-reporting isn’t allowed.

If you check your credit report and find a mistake, you can file a dispute with the credit reporting agency that lists the error.

Read more here on how to file a dispute and other credit topics.

The information contained in this blog post is designed to generally educate and inform visitors to the Equifax Finance Blog. The blog posts do not give, and should not be assumed to provide, personalized tax, investment, real estate, legal, retirement, credit, personal financial, or other professional advice. Before making any financial decision, you should always consult with the appropriate professionals who can explain your options, rights, and legal responsibilities, and advise you on any tax, legal, credit, or business implications that may result from those decisions. The views and opinions expressed by the authors of blog posts are their own views and may not be the views or opinions of Equifax, Inc. and/or its affiliates.


  1. Sherrill says:

    I have paid 3 credit card balances down to $0 balance and the 4th one down from $5000.00 to $2000.00. When checking my report, 3 of the credit cards show I still have a balance mainly because the credit card companies have not reported my payments or any activity since 4/2013 and it is not 6/22/2013. How do I get my accounts updated to reflect my payments?

    • EFX Moderator, EM says:

      Sherrill, great question. It’s up to the lenders to update your balance information to the credit reporting agencies. If the information on your credit report isn’t accurate, you can file a dispute.

  2. Kathy says:

    Equifax report is skimpy compared to last year. It lumps all your outstanding loans together and the balance seems higher. Weird. Thank goodness so far, all the loans initiated by my husband who is now dead have been removed. Since early 2011 (4 years), my credit report is all my own.

  3. Ann says:

    Does you need to sign up,with equifax to receive alerts that your credit score has changed or suspicious activity alerts?

  4. Stephen says:

    How do you update a judgment that has been satisfied? Do you send the court doc showing paid in full or is it up to the district court to update credit reports?

  5. Anonymous says:

    Do credit cards that you have paid off and ask to close count against you? can those be removed from the report?

  6. Private says:

    I pay for your service once a month. It shows my credit to be one thing and then when my creditor pulls from their Equifax site it is lower then what I am seeing on what I am paying for. Why am I paying money for something that is not correct?

  7. roberto says:

    I have filed a dispute but nothing has been done my report still shows 2 addresses that I have never lived at also a fingerht accout just open that I have not applied and a loan for 13,000 in Puerto rico that I have never gotten I have not been to Puerto rico since my grama passed in 1977 so people nothing works until you have money to get a lawer and sue

Leave a Comment

Name :

Commenting guidelines

We welcome your interest and participation on this forum, but be aware that comments will be published at Equifax's sole discretion. Please don't use this blog to submit questions or concerns about your Equifax credit report or raise customer service issues. Instead, you should contact Equifax directly for all such matters and any attempts to do so in this forum will be promptly re-directed.

Some other factors to consider when commenting:
  1. Registration and privacy. While no registration is required to visit our forum, participants wishing to post a message must register by creating an account. All personal information provided by forum members incident to registration is governed by our Terms of Use and Privacy Policy.
  2. All comments are anonymous. We'll delete your name, e-mail address, and any other identifying information, including details about your investments.
  3. We can't post or respond to every comment - As much as we'd like to, we can't post every comment, nor can we guarantee that we will respond to each individual message. All questions or comments about your Equifax credit report or similar customer service issues should be handled by contacting Equifax directly.
  4. Don't offer specific legal, tax or financial advice. All of the materials on this Site are for information, education, and noncommercial purposes only and this forum is not intended as a means of expressing views or ideas regarding any specific legal, tax, or investment advice. While offering general rules of thumb is both permitted and encouraged, recommending specific ideas or strategies regarding investments, taxes, and related matters is prohibited.
  5. Credit Repair. This blog is not intended as a venue for the discussion or exchange of ideas regarding credit repair or other strategies intended to assist visitors and community members improve or otherwise modify their credit histories, ratings or scores.
  6. Stay on topic. Your comment should be concise and pertain to the specific post in question.
  7. Be respectful of the community. The use of profanity, offensive language, spam, and personal attacks will not be tolerated and egregious or repeat offenders will be banned from future participation. We encourage disagreement and healthy debate, but please refrain from personal attacks on our WordPresss and contributors.
  8. Finally: Participation in this forum may be terminated by Equifax immediately and without notice for failure to comply with any guidelines or Terms of Use. As such, you should familiarize yourself with all pertinent requirements prior to submitting any response through the blog or otherwise. All opinions expressed in this forum are solely those of the individual submitting the comment, and don't necessarily represent the views of Equifax or its management.

Equifax maintains this interactive forum for education and information purposes in order to allow individuals to share their relevant knowledge and opinions with other members and visitors. We encourage you to participate in discussions about personal finance issues and other topics of interest to this community, but please read our commenting guidelines first. Equifax reserves the right to monitor postings to the forum and comments will be published at our discretion. Do you have questions or comments about your Equifax credit report or customer-service issues regarding an Equifax product? If so, please contact Equifax directly. All opinions and information expressed or shared in blog comments are solely those of the person submitting the comments, and don't necessarily represent the views of Equifax or its management.

Credit Archive