Equifax Credit Report

Learn About Credit

Paying on a collection account is considered account activity and will start the 7 year waiting period over as far as removal.

If an account is old, you may want to live with it.

Quick Credit FAQ

Up to 60% of people who check their free credit report find errors.

Credit Professionals recommend a credit check at least 2x yearly.

You may obtain a free credit check if you've been denied credit in the last 60 days or once annually.

There are 3 credit bureaus which collect information from major creditors. Equifax, TransUnion, Experian.

Your credit report lists all the accounts and payment history for the last two years; liens and judgements for 7 years; bankruptcy 10 years.

From your information a credit score is calculated. Credit Scores range from about 400-820. A score of 700 or above is very good.

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