How to Read an Equifax reputation report

3 Credit Reports - How to Read an Equifax reputation report

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The Fair credit Reporting Act (Fcra) requires each of the Nationwide consumer Reporting organizations (Equifax, TransUnion and Experian) to supply you with one free credit article every 12 months per your request. This means that you are entitled to three free credit reports per year, if you deem it necessary. You can stagger the requests or order all of them at the same time.

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Each of the National consumer credit Reporting bureaus have a unique credit article format, but in essence they supply you with the same information. When you receive your free Equifax credit article use the following guidelines to read your report:

Personal Information

This section will information your personal information: Name, collective safety amount (Ssn), date of birth, any old names, death notice information, current address, old addresses, any other identification numbers that you may have, current employer and old employers.

You will also find data about any fraud alerts that you may have against your credit report.

Account data Summary

You'll find a list of all your accounts here. Supplementary data will include list type, list number, date list was opened, list balance, any past due amount, list status and credit limit.

Inquiries

Any inquiries against your credit file will be listed in this section. This section is divided into two subcategories: (a) Inquiries that display to associates and may impact your credit score. (b) Inquiries that do not display to associates and do not impact your credit score.

"Inquiries that display to associates and may impact your credit score"
These are inquiries by inherent creditors who are assessing whether to enlarge you a line of credit or not. Your credit score will be minimally affected and therefore these inquiries should not be of major concern, unless there are some red flags. The name of the firm that requested the data and the date they requested it will be listed.

"Inquiries that do not display to associates and do not impact your credit score"
Unlike the old inquiries - these do not "hurt" your credit score. They include inquiries for pre-approved credit lines, insurance, or list reviews by existing creditors. The name of the firm that requested the information, the date they requested it and the type of inquiry will be listed.

Collections

Any accounts that have gone to collections will be listed here along with the name of the creditor, date reported, creditor type, your list number, former amount, dates of delinquency, excellent balance and status information.

Public Records

Bankruptcies, liens or judgments data from federal, state or county court records will be listed here. Each collective article will indicate the type of record, case number, amount in default and any relevant data associated with that particular case.

Sample Equifax credit report

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