Equifax

Equifax is a major credit reporting company that provides many different services to its customers. They have been in business for 106 years and produces $1.3 billion US each year with 4400 employees in 12 different countries.

Their customers include both individual and businesses and services are available online in both Canada and the United States.

Some of the services offered to individuals include:

• Managing and checking credit
• Protection against identity theft
• Credit score watch for a major purchase

A popular selection is the 3 in 1 credit report which retrieves your entire credit history from three different credit reporting agencies. Typically lenders where you applying for credit can look at any or all of the three major credit reporting agencies. The three major credit reporting companies are Equifax, TransUnion, and Experian.

The 3 in 1 credit report includes information such as your name, address, date of birth, and Social Security number. It includes other historical data such as previous addresses, current and previous employers, bankruptcies, liens, or judgments. Most importantly your credit report contains info on your credit card, mortgage and loan payment history.

Equifax offers solutions to businesses as well regarding credit and credit reporting. It can help lenders to reduce the risk of fraud, increase consumer portfolio, and even improve debt collections. Equifax can help small businesses to make more informed decisions when lending money to those that apply.

Obtaining the services from Equifax is easy and convenient and can be done either online or via the phone. If you choose the online option you select the options you wish to purchase, add your information and pay securely online with your credit card. The information can then be displayed to you online immediately and/or mailed via regular post as well. You can also subscribe to their services on a monthly or quarterly basis to keep on track with your credit.