What happens to my Equifax Credit Score if I become insolvent?

It will cease to exist. Equifax does not generate an Equifax Credit Score for Equifax Credit Reports where insolvency information is present. This includes all six categories of insolvency:

1. Bankrupt (excluding discharged, Part X and Part 1X)
2. Part X Debt Agreement (excluding discharged)
3. Part X Debt Agreement (discharged)
4. Discharged Bankrupt (excluding Part X, and Part IX Debt Agreements)
5. Part IX Debt Agreement (excluding discharged)
6. Part IX Debt Agreement (discharged)

Individuals can enter into Debt Agreements, in certain circumstances. These are not a type of bankruptcy but are, in fact, a way an individual can avoid going into bankruptcy.