{"id":27177,"date":"2025-05-16T12:11:32","date_gmt":"2025-05-16T12:11:32","guid":{"rendered":"https:\/\/www.lendingstream.co.uk\/blog\/?p=27177"},"modified":"2025-05-16T12:11:36","modified_gmt":"2025-05-16T12:11:36","slug":"equifax","status":"publish","type":"post","link":"https:\/\/www.lendingstream.co.uk\/blog\/equifax\/","title":{"rendered":"Equifax &#8211; Who are They? Everything You Should Know About Equifax"},"content":{"rendered":"\n<p>Equifax is a consumer Credit Reference Agency (CRA). They\u2019re one of the top three agencies in the UK alongside <strong><a href=\"https:\/\/www.lendingstream.co.uk\/blog\/experian\/\" target=\"_blank\" rel=\"noreferrer noopener\">Experian<\/a><\/strong> and <a href=\"https:\/\/www.lendingstream.co.uk\/blog\/transunion\/\"><strong>TransUnion<\/strong><\/a>. Their head offices are in Atlanta, Georgia in the USA. They provide information on businesses and consumers regarding their credit information. But what do you need to know about Equifax?<\/p>\n\n\n\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_82_2 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<label for=\"ez-toc-cssicon-toggle-item-69f25d384530d\" class=\"ez-toc-cssicon-toggle-label\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/label><input type=\"checkbox\"  id=\"ez-toc-cssicon-toggle-item-69f25d384530d\"  aria-label=\"Toggle\" \/><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/www.lendingstream.co.uk\/blog\/equifax\/#who_is_equifax\" >Who is Equifax?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/www.lendingstream.co.uk\/blog\/equifax\/#what_does_equifax_do_for_you\" >What does Equifax do for you?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/www.lendingstream.co.uk\/blog\/equifax\/#what_is_an_equifax_credit_report\" >What is an Equifax credit report?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/www.lendingstream.co.uk\/blog\/equifax\/#what_information_is_on_an_equifax_credit_report\" >What information is on an Equifax credit report?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/www.lendingstream.co.uk\/blog\/equifax\/#1_personal_information\" >1. Personal information<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/www.lendingstream.co.uk\/blog\/equifax\/#2_if_youre_registered_on_the_electoral_roll\" >2. If you\u2019re registered on the electoral roll<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/www.lendingstream.co.uk\/blog\/equifax\/#3_all_the_financial_accounts_you_have\" >3. All the financial accounts you have<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/www.lendingstream.co.uk\/blog\/equifax\/#4_information_on_the_public_register\" >4. Information on the public register<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/www.lendingstream.co.uk\/blog\/equifax\/#5_details_of_people_who_youre_linked_to_financially\" >5. Details of people who you\u2019re linked to financially<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/www.lendingstream.co.uk\/blog\/equifax\/#6_employment_verification\" >6. Employment verification<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/www.lendingstream.co.uk\/blog\/equifax\/#how_can_i_check_my_credit_report_on_equifax\" >How can I check my credit report on Equifax?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/www.lendingstream.co.uk\/blog\/equifax\/#is_the_equifax_credit_report_reliable\" >Is the Equifax credit report reliable?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/www.lendingstream.co.uk\/blog\/equifax\/#can_i_correct_mistakes_on_my_equifax_credit_report\" >Can I correct mistakes on my Equifax credit report?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/www.lendingstream.co.uk\/blog\/equifax\/#does_checking_my_credit_report_on_equifax_affect_my_credit_score\" >Does checking my credit report on Equifax affect my credit score?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/www.lendingstream.co.uk\/blog\/equifax\/#what_is_equifaxs_credit_score_range\" >What is Equifax\u2019s credit score range?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/www.lendingstream.co.uk\/blog\/equifax\/#what_is_a_good_equifax_credit_score\" >What is a good Equifax credit score?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/www.lendingstream.co.uk\/blog\/equifax\/#how_does_equifax_calculate_the_credit_score\" >How does Equifax calculate the credit score?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/www.lendingstream.co.uk\/blog\/equifax\/#what_can_i_do_to_improve_my_equifax_credit_score\" >What can I do to improve my Equifax credit score?<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"https:\/\/www.lendingstream.co.uk\/blog\/equifax\/#1_make_your_payments_on_time\" >1. Make your payments on time<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-20\" href=\"https:\/\/www.lendingstream.co.uk\/blog\/equifax\/#2_dont_make_lots_of_new_applications_close_together\" >2. Don\u2019t make lots of new applications close together<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-21\" href=\"https:\/\/www.lendingstream.co.uk\/blog\/equifax\/#3_register_on_the_electoral_roll\" >3. Register on the electoral roll<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-22\" href=\"https:\/\/www.lendingstream.co.uk\/blog\/equifax\/#4_remove_links_to_anyone_youre_no_longer_connected_to_financially\" >4. Remove links to anyone you\u2019re no longer connected to financially<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-23\" href=\"https:\/\/www.lendingstream.co.uk\/blog\/equifax\/#5_dont_use_up_all_your_available_credit\" >5. Don\u2019t use up all your available credit<\/a><\/li><\/ul><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-24\" href=\"https:\/\/www.lendingstream.co.uk\/blog\/equifax\/#how_can_i_contact_equifax_in_the_uk\" >How can I contact Equifax in the UK?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-25\" href=\"https:\/\/www.lendingstream.co.uk\/blog\/equifax\/#final_words\" >Final words<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-26\" href=\"https:\/\/www.lendingstream.co.uk\/blog\/equifax\/#faqs_%e2%80%93_equifax\" >FAQs \u2013 Equifax<\/a><ul class='ez-toc-list-level-3' ><li class='ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-27\" href=\"https:\/\/www.lendingstream.co.uk\/blog\/equifax\/#is_500_a_good_credit_score_on_equifax\" >Is 500 a good credit score on Equifax?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-28\" href=\"https:\/\/www.lendingstream.co.uk\/blog\/equifax\/#which_banks_use_equifax\" >Which banks use Equifax?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-3'><a class=\"ez-toc-link ez-toc-heading-29\" href=\"https:\/\/www.lendingstream.co.uk\/blog\/equifax\/#do_lenders_look_at_transunion_or_equifax\" >Do lenders look at TransUnion or Equifax?<\/a><\/li><\/ul><\/li><\/ul><\/nav><\/div>\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"who_is_equifax\"><\/span><strong>Who is Equifax?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Equifax is a leading Credit Reference Agency in the UK, authorised by the <a href=\"https:\/\/www.lendingstream.co.uk\/blog\/financial-conduct-authority\/\"><strong>Financial Conduct Authority<\/strong><\/a>. They\u2019ve been around for over 120 years and operate in 25 countries.<\/p>\n\n\n\n<p>Equifax collect uk customer data on how you manage your finances. They provide this information to businesses and financial institutions. This information helps lenders make more informed decisions about lending to you.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"what_does_equifax_do_for_you\"><\/span><strong>What does Equifax do for you?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Equifax allows you to access your credit information. You can look at what\u2019s being reported on you by requesting a <a href=\"https:\/\/www.lendingstream.co.uk\/blog\/credit-report\/\"><strong>credit report<\/strong><\/a>. It\u2019ll tell you <a href=\"https:\/\/www.lendingstream.co.uk\/blog\/how-to-check-your-credit-score\/\"><strong>what your credit score is<\/strong><\/a> which it generates using the information on your credit file. By knowing what is on your credit file, you can stay on top of your finances.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"what_is_an_equifax_credit_report\"><\/span><strong>What is an Equifax credit report?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>An Equifax credit report is information on your credit history that goes back 6 years. It includes any current financial commitments you have too. Lenders will use the information held on your credit report to assess how you manage your money. It helps them decide whether to lend to you.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"what_information_is_on_an_equifax_credit_report\"><\/span><strong>What information is on an Equifax credit report?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>There are various pieces of information on an Equifax credit report. You can expect to find the following details.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"1_personal_information\"><\/span><strong>1. Personal information<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>This helps to verify who you are and includes:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Your name<\/li>\n\n\n\n<li>Your date of birth<\/li>\n\n\n\n<li>Your current and previous addresses<\/li>\n<\/ul>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"2_if_youre_registered_on_the_electoral_roll\"><\/span><strong>2. If you\u2019re registered on the electoral roll<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Your credit report confirms whether you\u2019re registered to vote. If you\u2019re on the electoral roll it\u2019s easier for lenders to verify your identity.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"3_all_the_financial_accounts_you_have\"><\/span><strong>3. All the financial accounts you have<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Every account you take out will be reported to at least one of the top 3 credit reference agencies. This can be anything from your bank account to <a href=\"https:\/\/www.lendingstream.co.uk\/loans\/\"><strong>loans<\/strong><\/a>, mortgages or credit cards. You\u2019d have to ask your lender if they\u2019ll be reporting your information to Equifax.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"4_information_on_the_public_register\"><\/span><strong>4. Information on the public register<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Information on the public register is where you\u2019ll find judgements that have been decided in court. It\u2019s called the Register for Judgments, Orders and Fines. This includes things like <a href=\"https:\/\/www.lendingstream.co.uk\/blog\/what-is-a-ccj\/\"><strong>County Court Judgements<\/strong><\/a> (CCJs) or bankruptcies. Equifax will report information that\u2019s on this register.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"5_details_of_people_who_youre_linked_to_financially\"><\/span><strong>5. Details of people who you\u2019re linked to financially<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>When you take out any joint borrowings or bank accounts with someone, they\u2019re seen as being linked to you financially. This financial connection shows up on your credit report.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"6_employment_verification\"><\/span><strong>6. Employment verification<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Some lenders may also check your employment status when assessing your creditworthiness. Equifax provides employment verification services that help confirm your job details, which can play a role in financial decisions.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"how_can_i_check_my_credit_report_on_equifax\"><\/span><strong>How can I check my credit report on Equifax?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>There are two ways to check your report with Equifax. You can request a free report directly from Equifax or use the free app Clearscore. ClearScore is a UK-based credit monitoring service that provides information on your credit report. They take the information from Equifax and will give you your credit score.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"is_the_equifax_credit_report_reliable\"><\/span><strong>Is the Equifax credit report reliable?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Yes, the Equifax credit report is accurate and reliable. The information they hold must be accurate to comply with data protection rules.<\/p>\n\n\n\n<p>However, government agencies and business customers should be aware that Equifax can only report data that has been shared with them. Some lenders may choose to report to other credit reference agencies instead.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"can_i_correct_mistakes_on_my_equifax_credit_report\"><\/span><strong>Can I correct mistakes on my Equifax credit report?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>To get mistakes corrected on your credit report you can raise a dispute with Equifax. Depending on what the mistake is, the process will be different. For example, if your address is incorrect, you can send in documentation to get this changed. If the error is with information a lender has reported, you can raise a dispute with Equifax. But they won\u2019t change it without the lender\u2019s agreement.<\/p>\n\n\n\n<p>Equifax has a webpage with information on how to get a mistake corrected. You can get to it through their <a href=\"https:\/\/help.equifax.co.uk\/EquifaxOnlineHelp\/s\/\" target=\"_blank\" rel=\"noreferrer noopener nofollow\">FAQs page<\/a>. Once Equifax has investigated your claim, they\u2019ll provide you with a final outcome after 28 days.<\/p>\n\n\n\n<p>It\u2019s important to get any errors put right as they can have an impact on your credit score. A data breach that exposes incorrect or outdated information could also affect your financial standing.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"does_checking_my_credit_report_on_equifax_affect_my_credit_score\"><\/span><strong>Does checking my credit report on Equifax affect my credit score?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>No, checking your credit report on Equifax won\u2019t affect your credit score. You can check your credit file as many times as you want. It won\u2019t show up on your credit file. This means that lenders won\u2019t be able to see that you\u2019ve checked it either.<\/p>\n\n\n\n<p>When you check your own credit score a <a href=\"https:\/\/www.lendingstream.co.uk\/blog\/soft-credit-check\/\"><strong>soft check<\/strong><\/a> is carried out and this isn\u2019t visible to anyone but you.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"what_is_equifaxs_credit_score_range\"><\/span><strong>What is Equifax\u2019s credit score range?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>The credit score range that Equifax use is different to the ranges used by Experian and TransUnion. The table below shows the credit score ranges used by Equifax.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td>&nbsp;<\/td><td><strong>Very Poor\/Poor<\/strong><\/td><td><strong>Fair<\/strong><\/td><td><strong>Good\/Very Good<\/strong><\/td><td><strong>Excellent<\/strong><\/td><\/tr><tr><td><strong>Equifax<\/strong><\/td><td>0-438<\/td><td>439-530<\/td><td>531-810<\/td><td>811-1,000<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"what_is_a_good_equifax_credit_score\"><\/span><strong>What is a good Equifax credit score?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>A good Equifax credit score is one that falls between 531 and 810. If you have a score that\u2019s lower than this there are things you can do to improve it. Read on below to find out tips on how to do this.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"how_does_equifax_calculate_the_credit_score\"><\/span><strong>How does Equifax calculate the credit score?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Equifax use an algorithm to create your score. It uses all the information that\u2019s held on your credit file that goes back over the past 6 years. Things like how well you\u2019ve managed your payments will have an impact on your credit score. This is why it\u2019s worth making sure that the information on your credit file is correct.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"what_can_i_do_to_improve_my_equifax_credit_score\"><\/span><strong>What can I do to improve my Equifax credit score?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>If your Equifax credit score is low, there are <a href=\"https:\/\/www.lendingstream.co.uk\/blog\/improve-your-credit-score\/\"><strong>things you can do to improve it<\/strong><\/a>:<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"1_make_your_payments_on_time\"><\/span><strong>1. Make your payments on time<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Every late payment you make brings down your credit score. If you set up a direct debit you can make sure your payments go out on the day your salary goes in.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"2_dont_make_lots_of_new_applications_close_together\"><\/span><strong>2. Don\u2019t make lots of new applications close together<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Every application you make shows up on your credit file. These can stay on your file for up to 2 years. By spacing out your applications it\u2019ll make you look less desperate for money.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"3_register_on_the_electoral_roll\"><\/span><strong>3. Register on the electoral roll<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>If you\u2019re not already enrolled to vote, consider registering. It\u2019ll give your credit score a boost and could help with future applications for credit you make.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"4_remove_links_to_anyone_youre_no_longer_connected_to_financially\"><\/span><strong>4. Remove links to anyone you\u2019re no longer connected to financially<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>If you\u2019ve taken out loans or had a joint bank account with someone, it shows on your credit file. If they have a <a href=\"https:\/\/www.lendingstream.co.uk\/blog\/bad-credit-score\/\"><strong>poor credit score<\/strong><\/a>, it\u2019ll affect you when you apply for credit. That\u2019s why, if you\u2019re no longer linked to them, it\u2019s worth getting them removed from your credit file.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"5_dont_use_up_all_your_available_credit\"><\/span><strong>5. Don\u2019t use up all your available credit<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p>Lenders like to see that you can manage your money well. You can do this by not borrowing up to your credit limit. If you can, try to keep your borrowing to around 30% of your credit limit.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"how_can_i_contact_equifax_in_the_uk\"><\/span><strong>How can I contact Equifax in the UK?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>The quickest way to contact Equifax inc is online via their website. Otherwise, you can call them on 0800 014 2955, or you can write to them at the following address.<\/p>\n\n\n\n<p>Equifax Ltd<br>Customer Service Centre<br>PO Box 10036<br>Leicester<br>LE3 4FS<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"final_words\"><\/span><strong>Final words<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p>Equifax is one of the top three credit reference agencies in the UK. They offer a range of services to help you keep track of your credit score and history. Lenders use the information on your Equifax credit file to decide whether to approve your loan application. That\u2019s why it\u2019s important to make sure the information they have on your report is accurate.<\/p>\n\n\n\n<p>Since identity theft is a growing concern, it\u2019s crucial to monitor your credit report. The Federal Trade Commission recommends checking your credit file regularly to catch errors and prevent fraud.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><span class=\"ez-toc-section\" id=\"faqs_%e2%80%93_equifax\"><\/span><strong>FAQs \u2013 Equifax<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n<div id=\"rank-math-faq\" class=\"rank-math-block\">\n<div class=\"rank-math-list \">\n<div id=\"faq-question-1747397412710\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><span class=\"ez-toc-section\" id=\"is_500_a_good_credit_score_on_equifax\"><\/span><strong>Is 500 a good credit score on Equifax?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>A credit score of 500 is classed as fair with Equifax. To have a good credit score with Equifax it needs to be above 531. If you want to improve your credit score, follow our tips above.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1747397427653\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><span class=\"ez-toc-section\" id=\"which_banks_use_equifax\"><\/span><strong>Which banks use Equifax?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>As Equifax are one of the leading credit reference agencies in the UK, they\u2019re used by most banks. This includes the following: Barclays, Halifax &amp; Bank of Scotland, HSBC, Natwest, RBS.<\/p>\n\n<\/div>\n<\/div>\n<div id=\"faq-question-1747397432677\" class=\"rank-math-list-item\">\n<h3 class=\"rank-math-question \"><span class=\"ez-toc-section\" id=\"do_lenders_look_at_transunion_or_equifax\"><\/span><strong>Do lenders look at TransUnion or Equifax?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h3>\n<div class=\"rank-math-answer \">\n\n<p>With three different credit reference agencies in the UK, it\u2019s hard to know which one a lender will use. Some will look at all three. The best way to find out which agency a lender will use is by asking them.<\/p>\n\n<\/div>\n<\/div>\n<\/div>\n<\/div>\n\n\n<p><strong>Disclaimer<\/strong>: The information given above on Equifax is provided for reference only. Please visit their <a href=\"https:\/\/www.equifax.co.uk\/\" target=\"_blank\" rel=\"noreferrer noopener nofollow\"><strong>main website<\/strong><\/a> for detailed information. Also, the external links linked above are for reference only and we are not affiliated to any of the external parties linked here.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Equifax is a consumer Credit Reference Agency (CRA). They\u2019re one of the top three agencies in the UK alongside Experian and TransUnion. Their head offices are in Atlanta, Georgia in the USA. They provide information on businesses and consumers regarding their credit information. But what do you need to know about Equifax? Who is Equifax? [&hellip;]<\/p>\n","protected":false},"author":48,"featured_media":27178,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[139],"tags":[],"class_list":["post-27177","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-money"],"_links":{"self":[{"href":"https:\/\/www.lendingstream.co.uk\/blog\/wp-json\/wp\/v2\/posts\/27177"}],"collection":[{"href":"https:\/\/www.lendingstream.co.uk\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.lendingstream.co.uk\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.lendingstream.co.uk\/blog\/wp-json\/wp\/v2\/users\/48"}],"replies":[{"embeddable":true,"href":"https:\/\/www.lendingstream.co.uk\/blog\/wp-json\/wp\/v2\/comments?post=27177"}],"version-history":[{"count":5,"href":"https:\/\/www.lendingstream.co.uk\/blog\/wp-json\/wp\/v2\/posts\/27177\/revisions"}],"predecessor-version":[{"id":28083,"href":"https:\/\/www.lendingstream.co.uk\/blog\/wp-json\/wp\/v2\/posts\/27177\/revisions\/28083"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.lendingstream.co.uk\/blog\/wp-json\/wp\/v2\/media\/27178"}],"wp:attachment":[{"href":"https:\/\/www.lendingstream.co.uk\/blog\/wp-json\/wp\/v2\/media?parent=27177"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.lendingstream.co.uk\/blog\/wp-json\/wp\/v2\/categories?post=27177"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.lendingstream.co.uk\/blog\/wp-json\/wp\/v2\/tags?post=27177"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}