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Equifax offers credit monitoring, identity theft protection, and credit report lock services for individuals and families. Compare plans and prices, explore credit offers, and learn how to protect your identity and credit.
- Creditors
- Employers
- Landlords
- Many Other Organizations Also Use Credit Bureau Data
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Creditors, such as lenders and credit card issuers, use credit reports and credit data from the credit bureaus in several ways: 1. Decide whom to send offers to: Creditors might work with a credit bureau to create a list of consumers who meet certain criteria and then send those consumers a preapproved credit offer—like the credit card offers you g...
In some states, employers can use credit checkswhen hiring or promoting someone. This may be more common within the financial sector, for roles related to financial management or if the position requires security clearance. Employers never receive a credit scorewith the credit report. And the credit report they receive is different from the one giv...
Landlords also might use a credit report and credit score when reviewing rental applications. Someone with a poor credit history might have trouble qualifying for a rental or have to pay a larger security deposit.
Almost every company that has to verify its users' identities—including financial institutions, casinos and online marketplaces—might use data from the credit bureaus. Although they don't receive a credit report, the companies might verify that the identifying information someone provides matches what's in a credit bureau's database. If there's a m...
Learn how credit bureaus collect and organize information about consumers to create credit reports and scores. Find out who uses credit reports, what information they contain and how to protect your rights under the FCRA.
- Louis Denicola
Jul 21, 2022 · Learn how to reach Experian, TransUnion and Equifax for free credit reports, scores, disputes, freezes and alerts. Find out the different ways to contact each bureau by phone, mail, online or social media.
- Jim Akin
Apr 18, 2024 · Learn how Equifax, Experian and TransUnion collect and use your credit data to create your credit reports and scores. Find out how to access, dispute and monitor your credit reports for free.
Jan 15, 2021 · Learn about Equifax, TransUnion and Experian, the three largest credit bureaus in the U.S. Find out how they collect and sell your credit information, and what rights you have under the FCRA.
Mar 26, 2024 · Learn how to request and understand your credit report, which lists a history of your finances. Find out who uses credit reports and why, and what to do if your request is denied.
People also ask
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Free weekly online credit reports are available from Equifax, Experian and TransUnion. Credit reports play an important role in your financial life and we encourage you to regularly check your credit history.
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