What is an Equifax Credit Report?
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Equifax are the UKs second largest credit reference agency.
An Equifax credit report is simply a compilation of all of the data Equifax hold about you.
Although Experian is the largest of the UKs credit reference agencies, Equifax follow closely behind, and a lot of companies actually share information with both agencies.
This means that if there is a discrepancy on your Experian report, it is quite likely that your Equifax credit report will also contain the same error.
If you were to dispute an entry through Experian, and the entry was subsequently deleted, it could still show on your Equifax report.
If you do have issues on one credit report, then you should notify the other agencies so the error can be resolved on all of your reports.
Just like the other credit reference agencies, Equifax are bound by law to provide you with a copy of your credit report, although they are also allowed to charge £2.
Equifax have an online service where you can pay a monthly charge to view your Equifax credit report an unlimited number of times.
Your equifax credit report will show you the following information (if it is recorded in your name)
- Electoral Roll information for all of your addresses
- Any alias’ you currently use or have used in the past
- People you are financially connected to
- Any CCJs, Bankruptcies or Voluntary arrangements in your name
- Your current credit agreements and any that have been settled in the past six years
- If there is any GAIN information in your name
- If there is any CIFAS information at your address
- If there is any repossession information in your name
- Any addresses you have been linked to
- Any credit applications and searches of your Equifax credit report in the past 12 months
Credit Report
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