• Daily access to your educational Equifax credit score1 and report.2
  • Receive alerts of key changes to your Equifax credit report.
  • Dedicated ID Restoration Specialists to help you recover from ID theft.
  • Up to $50,000 in ID theft insurance.3

En invitant un autre adulte à utiliser le produit, vous acceptez que cette personne consente à fournir son adresse courriel et reçoive des courriels d'Equifax. Si l'autre adulte se retire de votre Plan, cette mesure prendra fin immédiatement.

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What Information Is in a Credit Report?

What's in a credit report?

A credit report is a summary of your credit history, reported to credit bureaus by lenders and creditors. Learn about positive and negative information on your credit report, and how creditors may use this information.

  1. L'information d'identification

    Cela comprend l'information personnelle comme votre nom, adresse, numéro d'assurance sociale et date de naissance. Cette information n'est pas utilisée aux fins de calcul des scores de crédit.
  2. Comptes de crédit, aussi appelés « lignes d'opérations commerciales »

    Ce sont des comptes de crédit que vous avez établis chez des prêteurs et renferme généralement de l'information sur le type de compte (par exemple, une carte de crédit que ou une hypothèque), la date d'ouverture du compte, votre limite de crédit ou le montant du prêt, le solde du compte et vos antécédents de paiement.
  3. Information sur les interrogations

    Cette section comprend l'information sur les entreprises qui ont extrait une copie de votre dossier de crédit, parfois appelée « interrogation ». Il y a deux types d'interrogations qui pourraient figurer dans votre dossier de crédit : des interrogations « accessoires » et des interrogations « réelles ».
  4. Information de recouvrement et de dossiers publics

    L'information publique des dossiers judiciaires rapportée à Equifax, comme les faillites, figure également dans votre dossier de crédit. Les comptes en retard qui ont été remis à des agences de recouvrement pourraient aussi apparaître dans votre dossier de crédit.

What Is a Credit Score?

What is a credit score?

A credit score is a three digit number, typically between 300 and 900, which is designed to represent your credit risk, or the likelihood you will pay your bills on time. A credit score is calculated based on the information in your credit report.

  1. On time payments

    One of the key behaviours that lenders and creditors like to see is on-time payment of bills. Since this is one of the strongest predictors of a consumer's likelihood to meet their financial obligations, it is an important factor in credit scoring models.
  2. Different types of credit accounts

    Credit scoring models look at the mix of different types of credit you have, such as credit cards, installment loans, mortgages, and store accounts. Creditors like to see that you're able to handle multiple accounts of different types and your credit score reflects this.
  3. How many new credit accounts you have opened

    Be mindful of opening too many accounts at once. Scoring models look at how many new accounts you have as well as how many new accounts you've applied for recently. This may indicate you are planning on taking on lots of new debt which could indicate a greater credit risk.
  4. The age of your credit accounts

    In general, creditors and lenders like to see that you've been able to properly handle credit accounts over a period of time.
  5. Your balances vs your total available credit limit

    Creditors and lenders prefer to see a lower ratio of how much debt you're carrying compared with how much available credit you have on a particular account.
  6. Negative public records

    Having any judgments, liens, foreclosures, bankruptcies, or delinquencies on your credit history may impact your credit score. If you have gone through financial hardship, and had to file for bankruptcy or completed a foreclosure, your credit score will reflect this negative information for several years.





How does identity theft happen?

Identity thieves have gotten more sophisticated in their methods, and they can access your personal information in countless ways.

Here are just a few of the ways:

  • Steal wallets or purses in order to obtain identification, credit cards, and bank cards;
  • Dig through mail and trash in search of bank and credit card statements, pre-approved credit card offers, tax information, and other documents that may contain personal details;
  • Fill out change-of-address forms to forward mail, and intercept mail containing personal and financial information;
  • Buy personal information from an inside, third-party source, such as a company employee who has access to applications for credit;
  • Obtain personnel records from a victim's place of employment;
  • “Skim” information from an ATM — this is done through an electronic device attached to an ATM that can steal the information stored on a credit or debit card's magnetic strip;
  • Swipe personal information shared on unsecured websites or public WiFi;
  • Steal electronic records or information through some kind of unauthorized access;
  • “Phish” for electronic information with phony emails, text messages, and websites that seem legitimate, but are designed to steal sensitive information;
  • Pose as a home buyer during open houses in order to gain access to sensitive information casually stored in unlocked drawers.
  1. Don't over share

    Tech-savvy thieves can quickly gather what you share on social networks (your home or email address; children's names; birth date and so on) to use for scams, phishing, and account theft.
  2. Fight “phishing” — don't take the bait

    Never give out personal information over the phone, through the mail, or over the Internet unless you have initiated the contact.
  3. Check your credit report

    Report problems immediately. You should review your credit report at least once per year. Consider signing up for ongoing monitoring of your credit file for potentially fraudulent activity. Take steps to detect identity theft early, which helps minimize its impact.
  4. Use strong passwords online

    Make passwords more complicated by combining letters, numbers, mixing in special characters and changing them regularly.
  5. Don't trust public Wi-Fi

    Be aware that your mobile device is vulnerable to viruses and hackers. Only download applications from trusted sources at home on a secure network.