How To Read An Equifax Credit Report

[Pages:43]Ho w To Re a d An Eq uifa x C re dit Re po rt

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Im po rta nt Le g a l No te

The info rma tio n in this p re se nta tio n is no t to b e re lie d up o n, is no t inte nd e d to b e , no r sho uld it b e use d o r

c o nstrue d a s, le g a l a d vic e . Eq uifa x a ssume s no lia b ility fo r a ny e rro rs o r o missio ns in the info rma tio n in this p re se nta tio n. C o mp lia nc e with the Fa ir C re d it

Re p o rting Ac t (FC RA), the Eq ua l C re d it O p p o rtunity Ac t (EC O A) o r the ir re sp e c tive re g ula tio ns is the

re sp o nsib ility o f e a c h e ntity to whic h suc h la ws a p p ly. All sp e c ific c o nsume r, c usto me r a nd o the r third p a rty

info rma tio n in this p re se nta tio n is fic titio us.

This p re se nta tio n c o nta ins Eq uifa x p ro p rie ta ry a nd c o nfid e ntia l info rma tio n. Do no t d istrib ute o r c o p y.

Eq uifa x C o nfid e ntia l a nd Pro p rie ta ry Info rma tio n

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Info rm a tio n Inc lude d in a n Eq uifa x C re dit Re po rt

? Pe rso na l Info rm a tio n - Na me , a d d re ss, So c ia l

Se c urity numb e r, d a te o f b irth, e mp lo yme nt histo ry

? C re dit Histo ry - Ac c o unt d e ta ils suc h a s o p e n

d a te , c re d it limit, lo a n a mo unt, b a la nc e , p a yme nt te rms a nd histo ry

? Inq uirie s - Re c o rd o f who ha s p ro c ure d the c re d it

re p o rt

? Pub lic Re c o rds a nd C o lle c tio ns - Lie ns,

b a nkrup tc ie s, jud g me nts, ite ms b e ing ha nd le d b y a c o lle c tio n a g e nc y

Eq uifa x C o nfid e ntia l a nd Pro p rie ta ry Info rma tio n

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Info rm a tio n NO TInc lude d in a n Eq uifa x C re dit Re po rt

? C he c king o r sa ving s a c c o unt d a ta ? Ba nkrup tc ie s mo re tha n 10 ye a rs o ld ? C ha rg e d -o ff d e b ts o r c o lle c tio n ite ms mo re tha n

se ve n ye a rs o ld

? G e nd e r, e thnic ity, re lig io n o r p o litic a l a ffilia tio n ? Me d ic a l histo ry ? C rimina l re c o rd s ? Mo to r ve hic le re c o rd s ? Ac tua l ite ms p urc ha se d b y c re d it c a rd

Eq uifa x C o nfid e ntia l a nd Pro p rie ta ry Info rma tio n

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Pe rm issib le Purpo se s Unde r The FC RA

? The Fa ir C re d it Re p o rting Ac t limits the use o f

c o nsume r re p o rts to p ro te c t c o nsume rs' p riva c y.

? All use rs must ha ve a p e rmissib le p urp o se und e r the

FC RA to o b ta in a c o nsume r re p o rt.

Eq uifa x C o nfid e ntia l a nd Pro p rie ta ry Info rma tio n

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