What causes my Equifax Score to fluctuate?

Your Equifax Score may change when new information is recorded in your credit report, such as your application for a loan (known as a credit enquiry), or when information reaches its expiry date and is removed from your report, such as an overdue-debt that has reached its expiry date.

When you sign up to an Equifax annual subscription package that includes the Score Tracker tool, your Equifax Score will be generated every month and reflect the information that is in your credit file at that time.