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What is a Credit Score? | Why Your Rating and Score Matter
Manage Your Credit Rating | About Equifax Credit Rating™

About Equifax Credit Rating™

Equifax Credit Rating™ uses a statistical model to predict the credit risk of consumers based on information in their credit report. The result of comparing information in your credit report to this model is your credit score.

For over 15 years, Equifax has offered businesses credit scores. Lenders and businesses consider Equifax scores to be more accurate at determining your credit risk than other score systems available today. In 2004 Equifax gave you access -- for the first time -- to your credit score with the launch of Equifax Credit Rating™.

Equifax Credit Rating™ explains your credit score, gives key factors that affect your score, shows you how your information may be interpreted by lenders and gives you ways to improve it.

Facts About Your Score and Equifax Credit Rating™

Higher scores indicate a lower credit risk. Your Equifax Credit Rating™ will show you if your score is Very Poor, Poor, Fair, Good or Excellent. As your data changes at the credit reference agency, so will any new score based on your credit report. So your Equifax Credit Rating™ score from a month ago is probably not the same score a lender would get from the credit reporting agency today.

Your credit rating shows you what risks are present in your report using information provided by creditors and information in the public record. Your credit rating will also show you how significant these risks are and what steps you can take to improve your credit rating.

Get Your Credit Rating Now

Get your credit report and score instantly by purchasing Equifax Credit Rating™. Want to see a sample?

What is a Credit Score?
Why Your Credit Rating and Credit Score Matter
Manage Your Credit Rating