Equifax, Inc. of Atlanta, GA is a company that specializes in providing credit information to businesses and individuals for the purposes of managing their finances and personal credit data. According to the Equifax website, Equifax is the only credit reporting agency authorized to provide a FICO credit score.
Identifying Information
The first section of an Equifax credit report contains information about the individual, such as all names used, date of birth, social security number, previous and current addresses, previous and current phone numbers, and employment history
Potentially Negative Items
An Equifax credit report contains accounts that are potentially negative or that require further review. This section includes judgments, liens, and collection accounts. Negative items remain on the credit report for at least seven years from the date of last account activity.
Satisfactory Accounts
All accounts in good standing, whether open or closed, will remain on the Equifax credit report for up to ten years. This section includes any accounts in deferment or repayment.
Credit Inquiries
All credit inquiries in the last two years appear on an Equifax credit report. Some inquiries, such as prescreened offers of credit, are only seen by the individual, whereas others, like requests to extend credit, are seen by potential lenders.
FICO Score
The Fair Isaac Corporation (FICO) is the company that first established credit risk scoring. A FICO score is a person's credit score. A FICO score is included on the Equifax credit report for an additional fee of about $7.
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