Your Equifax Credit Score is a summary of your credit information held by Equifax and indicates how finance or utility providers may view you when you apply for credit. Credit scores are dynamic and change depending on when the score is generated and in what circumstances it is requested. Some lenders will use your credit report and Equifax Credit Score, along with information on your application form or information they may have on you as an existing customer. The lender can assess all of this information against their own policies and lending criteria.

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If you’re curious about what your drives your Equifax Credit Score, get a copy of your free credit report or consider sigining up to a monthly subscription package.