download your latest Equifax credit score report instantly on CRED
Equifax is an American multinational consumer credit reporting agency that provides credit scores report for businesses and individuals. working as an approved credit rating agency since 2010, equifax provides different reports like portfolio management, industry diagnosis, credit fraud, or risk management report in the case of companies.
check your Equifax credit score report
an Equifax credit report includes an array of data about your financial activity, for example:
you need to input the following details correctly on the CRED credit score checker page:
you can follow the step-by-step guide provided below to check and download your Equifax credit score report through the CRED app:
CRED Equifax credit score checker is an online credit score checker tool that allows members to check and download their Equifax credit score report for free. an Equifax credit score is a 3-digit numeric expression that represents an individual's creditworthiness. you can use the CRED credit score checker tool to check your Equifax credit score before applying for a credit card application or loan application. the Equifax credit score ranges from 300 to 900 points. The higher the Equifax credit score, the more financially trustworthy a person is considered to be. experts recommend having a Equifax credit score of above 750 to boost the chances of your credit card or loan application approval.
the Equifax credit score ranges between 300-900. here's the details of the breakup of the Equifax credit score rating range:
credit score range
300 to 579
580 to 669
670 to 739
740 to 799
very good credit
800 to 900
an Equifax credit score is a record of your credit history that includes information on credit card or loan applications that you have made in the past as well as latest updates related to the history of repayments of your credit card bills, loans, mortgages, and other debts. these records are provided by banks and other lenders on a monthly basis to the credit bureau. using this information, Equifax develops your credit score and report. the Equifax credit score report also contains your personal details such as - name, date of birth, profession, address, PAN number, Aadhaar number etc. however, it does not store information of your savings, investments or fixed deposits.
as per the credit score criteria formulated by Equifax, credit score ranges from 300 to 900. the higher the Equifax credit score, the more financially trustworthy a person is considered to be. note that your credit score may differ from one credit rating agency to another, however lenders typically have different score cut offs depending on which bureau is providing the credit score. hence, your focus should be on timely repayment of your credit card bills and loan EMIs to maintain a good credit score.
Equifax collects your credit history such as history of repaying credit card debts, personal loans and mortgages etc. from the bureau members such as banks and financial organizations to prepare your credit score report.
almost all financial lenders and banks check credit score reports before approving a credit card or loan. hence, building and maintaining a good credit score and creditworthiness is very important for a healthy financial wellness.
Equifax credit reports are prepared based on the history of your credit cards and loans, hence, you should pay your credit card bills on time and make sure you never miss the due date of any of the loan EMIs.
your Equifax credit score depends on a lot of factors including - credit card bill payment history, loan repayment history, default (if any) history etc. you should pay your credit card bills and loan EMIs on time, to build and maintain a good credit score and creditworthiness.
no. CRED allows its members to download the Equifax credit score report for free. however, you must become a member of the CRED club to download your Equifax credit score report online through CRED app.