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Check Equifax Credit Score Free

Checking your credit score at regular intervals is a good way to keep a check on your financial behavior. If you are searching for Equifax check credit score, read ahead to know more about it.

What is the Equifax Credit Score?

The credit score is a 3-digit score that is representation of the creditworthiness of a borrower. It ranges from 300 to 900 and a higher score is considered better.

Credit information bureaus collect information about repayment patterns and credit behavior of customers and collate it into a credit report. Lenders can refer to these credit scores and reports to help them understand the risk involved in approving credit.

Equifax is one of the top four credit information bureaus in India. It is recognized by the Reserve Bank of India and the Securities and Exchange Board of India. The score generated by Equifax is known as the Equifax credit score.

Steps to Check Equifax Credit Score Free

If you are searching for an ‘Equifax check credit score’, you are at the right place. You can easily check your Equifax credit score and report online for free. To do so, follow the steps given below -

STEP-1: Go to the official Equifax website. Click on ‘Get Started’ → ‘Get Your Free Equifax Credit Report’.
STEP-2: Fill in your name and Email ID in the form that opens up. Click on ‘Send OTP’ and enter the OTP that you receive in your email.
STEP-3: Enter your mobile number and click on the ‘Send OTP’ button. Enter the OTP you get on your number.
STEP-4: Click on the ‘Next’ button. On the next page, enter a password according to the guidelines provided and confirm it.
STEP-5: Fill in your date of birth, gender, address, city, state, and PIN code. Select an ID and enter the ID number. Click on the checkbox beside the terms and conditions and the captcha.
STEP-6: Click on ‘Finish’ when done. A message with ‘Congratulations! Your registration is completed’ will flash on the screen. Click on the ‘Login’ button below the message.
STEP-7: Enter your email ID and password, and click on ‘Log in’ to enter the Equifax website and fetch your credit report.
STEP-8: Once logged in, you will be directed to the dashboard. Click on the ‘Run a Free Report’ under the Consumer Credit Report section.
STEP-9: The ‘My Credit Reports’ page will open up. Click on the ‘Run Your First Free Credit Report’ → ‘Continue’.
STEP-10: You will see a pop-up message saying ‘Your report is generated successfully. You can download it from the below list.’ Click on ‘Close’.
STEP-11: You will see that your report has been generated. You can download or view the report by clicking the arrow button below the ‘Download/View’ option. You can easily view the report that is downloaded into your system.

The Equifax credit score, like other credit scores in India, ranges from 300 to 900. A higher score is always considered better, but any score about 700 or 750 is enough for most credit products. The ideal credit score, however, depends on the type of credit you are applying for.

Range of Equifax Credit Score

Here is a detailed breakdown of the various ranges of the Equifax credit score and what they mean -

Equifax Credit Score Range	Meaning
800-900	Exceptional
740-799	Very good
630-739	Good
580-669	Fair
300-579	Poor

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Conclusion

Equifax is headquartered in Atlanta and it started its operations in India in 2010. It is a well-recognized credit information bureau used by various banks, NBFCs, and lending institutions.

Please note that even though a good credit score is a huge factor in procuring a loan, it is not the only one. Other factors like your income, job stability, relationship with the lender, debt-to-income ratio, etc. all play a role in getting a loan.

You can easily build a better Equifax credit score by making timely payments, monitoring your score regularly, and planning your loans in advance. In case you are new to credit and don’t have a high credit score, you can still get instant personal loans from Moneyview. To know more, check out our website or download the Moneyview app.