Equifax credit score checker
Equifax credit score checker
download your latest Equifax credit score report instantly on CRED
what is Equifax?
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
what is in an Equifax credit report?
an Equifax credit report includes an array of data about your financial activity, for example:
- credit score and credit summary including credit health, credit worthiness and credit utilization.
- employment details such as job profile and financial history as shared by lenders.
- personal and contact information including name, date of birth, phone numbers, addresses and email IDs.
- account information related to all the credit facilities availed, enquiries made and payment history.
what information is required to generate an Equifax credit report?
you need to input the following details correctly on the CRED credit score checker page:
- name
- mobile number
- date of birth
- PAN number
- Aadhaar number
- address
- state
- pin code
how to check my Equifax credit score report?
you can follow the step-by-step guide provided below to check and download your Equifax credit score report through the CRED app:
- open the CRED app and click on 'check credit score'
- alternatively, you can click on the direct link provided below to check your Equifax score
- get your Equifax credit score report
- it will redirect to an online form
- enter your first name, last name, mobile number, email ID and click on confirm
- enter the 4-digit OTP sent to your mobile number and click on confirm
- your Equifax credit score report will be prepared instantly
- you can view it on the CRED app under the 'profile' tab
why should you download your Equifax credit score report from CRED?
- you can download Equifax credit score report for free on CRED
- you can download your Equifax credit score report instantly
- you don't need to fill in too many details, just enter your name, mobile number and email ID to get your credit score report
- you can download your Equifax credit score report from anywhere, anytime
- check the payment history of your loans, credit card bills etc.
- a high Equifax credit score can boost your chances of getting a credit card/loan approvals
CRED Equifax credit score checker
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.
Equifax credit score range
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 | status |
|---|---|
300 to 579 | poor credit |
580 to 669 | fair credit |
670 to 739 | good credit |
740 to 799 | very good credit |
800 to 900 | exceptional credit |
frequently asked questions
what is an Equifax credit score report?
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.
what is a good Equifax credit score?
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.
how does Equifax calculate a 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.
why is it important to have a good Equifax credit score?
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.
how to improve your Equifax credit score?
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.
what factors affect your Equifax credit score?
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.
is there any fee for downloading the Equifax report from the CRED?
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.