What is the Score Tracker from Equifax?

The Equifax Score Tracker is a tool that tracks your Equifax Credit Score over time. Each month it charts your Equifax Credit Score, helping you to gain insight into what is impacting your Equifax Score and how you could improve it.

When you sign up to an Equifax Credit Protect or Equifax Credit and Identity Protect subscription, each month we’ll generate an Equifax Credit Score which you will receive together with a graph that charts this. You’ll also receive information regarding what items on your Equifax Credit Report contributed to your Equifax Credit Score at that point in time.

Your Equifax Credit Score may change every time new activities, such as credit enquiries or loan defaults, are recorded in your Equifax Credit Report.

It’s important to note that when a credit provider applies to obtain a Credit Score calculated by Equifax to use or review in the process of assessing your application for credit, the Equifax Credit Score that the credit provider receives is calculated at the time they do their credit check on you for a credit application and may change depending on the circumstances in which you have made a credit application. The Equifax Credit Score that you receive through an Equifax Credit Protect or Equifax Credit and Identity Protect subscription is not necessarily the same credit score a credit provider would obtain from Equifax. Each lender may also apply their own lending criteria and policies, and in some cases their own scores, which is why some lenders may approve your application while others will not.

However, by monitoring your Equifax Credit Score over time, you’ll see how your Equifax Credit Score changes depending upon the information on your Equifax Credit Report, and be able to track changes over time. You’ll also have a better indication of how lenders see you based on the information on your Equifax Credit Report.