Product Overview

The Equifax Credit Information Report is the summary of a customer’s credit history, their respective credit risk score and aggregated personal identifiable information. 

The report contains information regarding the customer’s credit repayment history across various credit products and financial institutions.

When you have the due understanding of your customers credit history, you are better positioned to take charge of underwriting decisions. Thus, you must have your customers’ credit information report and credit risk score when evaluating them.

Important sections of the Credit Information Report include:

  • Equifax risk score: Credit risk score which ranges between 300-900 and is computed based on a proprietary model considering one’s credit history
  • Personal information: Includes one’s aggregated personal identifiable information based on submissions to the bureau from financial institutions
  • Contact information: Includes latest addresses and contact numbers submitted to the bureau by financial institutions 
  • Account information: This section includes the details of one’s credit facilities, including credit facility type, outstanding balance, month on month repayment history etc.
  • Enquiry information: Gives details of financial institutions making enquiries about the customer’s credit information report with Equifax

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