Consumer Credit Report
by
Equifax
Provides consumer credit data to evaluate creditworthiness and support risk-based decisions.
About the Provider
Founded in 1899 in Atlanta, Georgia, Equifax is a global data, analytics, and technology company focused on consumer credit. As one of the world's largest credit reporting agencies, Equifax maintains extensive credit databases and supporting technology platforms that underpin lending, insurance, employment screening, identity verification, and other risk-management decisions worldwide.
Solutions
Consumer Credit
Consumer Credit Pre-Qualification
About the Product
Provides consumer credit data to evaluate creditworthiness and support risk-based decisions. Used in lending, underwriting, and prequalification workflows to inform financial risk.
An Equifax Consumer Credit Report aggregates tradeline information (such as credit cards, auto loans, mortgages, and personal loans), public record data where applicable, and recent credit inquiries into a unified view of a consumer's credit history. Lenders and other permitted users rely on this report to understand payment behavior, utilization, account age, and prior delinquencies, enabling more accurate pricing, line assignment, and approval or decline decisions.
These reports can be configured as part of instant decisioning workflows, prequalification experiences, and manual underwriting reviews, often paired with scores and attributes derived from the underlying file. In addition to risk assessment, Consumer Credit Reports help support compliance with fair lending, identity verification, and adverse action requirements by providing standardized, bureau-level data and reason codes that can be used in disclosures.
