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.

What's in My Credit Report?

Written by Robin Holland on July 12, 2010 in Credit  |   6 comments

What’s in My Credit Report? By Robin Holland Think of your credit report as a snapshot of your financial life. Creditors don’t get to know you by inviting you over for a barbecue or “friending” you on Facebook. They look to your credit report to…

Credit report items affecting credit scoreWhat’s in My Credit Report?
By Robin Holland

Think of your credit report as a snapshot of your financial life.

Creditors don’t get to know you by inviting you over for a barbecue or “friending” you on Facebook. They look to your credit report to get an idea of who you are, your history of payments with loans and credit cards, and what kind of client you may potentially be. Creditors can tell a lot about you from your credit report. They have a ton of experience in evaluating consumers’ creditworthiness and their potential to be a credit risk based on the information revealed in it.

Let’s take a look at the different kinds of information on your credit report.

Your Equifax credit report contains four categories of information.

Credit Report: Identifying information

This nuts-and-bolts section of your credit report isn’t used for scoring purposes–it establishes who you are.. The information usually comes from lenders who report to Equifax that you applied for or have credit with them.

This section establishes who you are and should list your name, address, Social Security number, and date of birth, and it may include employment information. It’s all there so that credit grantors and lenders know that the accounts belong to you, and not to the guy across town who may share your name.

Credit Report: Trade lines

These are your credit accounts. Lenders report on accounts you have established with them. The information includes the type of account (bank card, auto loan, mortgage, etc.), the date you opened the account, your credit limit or loan amount, the account balance, and your payment history including any late payments

Credit Report: Inquiry information

This section contains information about companies that have requested and/or viewed your credit report information, typically within the last two years. This could be a “soft inquiry” from a credit card company looking to extend a preapproval offer of credit to you, or a “hard inquiry” from credit grantors with whom you have applied for credit. (Check out next week’s post on opting out of credit preapproval offers.)

Credit Report: Public record and/or collection information

Your credit report may contain public record information, such as judgments, tax liens, and bankruptcies. It may also contain account information from professional service providers, such as doctors, hospitals, and cable companies, that has been turned over to an outside collection agency. Not all credit reports contain public record and/or collection information. Generally speaking, negative information drops off your credit file after seven years.

Read More:

How To Dispute Credit Report Errors
Four Things College Kids Need To Know About Credit
Four Myths About Your Credit History

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. Avluela says:

    I was actually shocked to learn that one's credit score may go up or down depending on when someone requests the information. I charge just about everything and frequently will have bills at the end of the month that amount to more than $5000. When I buy an expensive item, such as a piece of furniture, the bill might go over $10 or $15 thousand. When my credit score is checked when that amount is on my credit card, my score might be affected even though I pay the card off every month without fail. The smaller one's amount of available credit is, the more this circumstance will affect the score: debt to available credit ratio. Avluela

  2. Editor, Equifax Personal Finance Blog says:

    @Avluela – Thanks for reading and commenting on the blog. You're right that the credit score can depend on when the information is requested. The credit score is determined by the information supplied by the creditors, so when your creditors report information can affect your score. Take a look at some of our other posts for more information on how your credit score is determined: http://credit.equifax.com/2010/07/credit-report-update-how-is-information.html

  3. Rusty says:

    I have read several times that, if a person does not pay or acknowledge debt for 7 yrs, it no longer appears as a bad mark. How, other than being in bad situations, sick, etc., have this done? Everything is still on my report, after 10 yrs, no change

    I d like to see a professional, although I don’t know who that is (Portland, OR).

    Thanks for reading!

  4. mike says:

    can anyone please give me the address where you can write to in order
    to have your credit report mailed to you every three months?

  5. gary w. maske says:

    how do I get turn downs removed from my credit?

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