{"id":63994,"date":"2024-04-18T11:00:00","date_gmt":"2024-04-18T15:00:00","guid":{"rendered":"https:\/\/milesopedia.com\/news\/read-credit-report-equifax\/"},"modified":"2024-05-31T14:49:34","modified_gmt":"2024-05-31T18:49:34","slug":"read-credit-report-equifax","status":"publish","type":"post","link":"https:\/\/milesopedia.com\/en\/personal-finance\/credit-score\/read-credit-report-equifax\/","title":{"rendered":"Credit score: How to read your Equifax credit report?"},"content":{"rendered":"<div class=\"wpb-content-wrapper\"><p>[vc_row][vc_column][vc_column_text css=&#8221;&#8221;]<\/p>\n<p>Having a good credit score is one thing, but knowing how to read your credit report is another! In Canada, there are two credit bureaus: <a title=\"Equifax\" href=\"https:\/\/milesopedia.com\/en\/go\/equifax\/\" rel=\"noindex\">Equifax<\/a> and TransUnion.<\/p>\n<p>[\/vc_column_text][vc_column_text css=&#8221;&#8221;]<\/p>\n<p>Once a year, you can <a target=\"_blank\" href=\"https:\/\/www.consumer.equifax.ca\/personnel\/produits\/score-et-dossier-de-credit\/\">request your credit report free of charge<\/a>. You&#8217;ll receive a copy of your file in paper or electronic form, depending on the delivery option you choose. However, Equifax also offers a monthly subscription (starting at $24.95) for daily access to your up-to-date Equifax credit report. This subscription also includes credit and identity monitoring tools. Note that this subscription is non-binding, and you can stop it at any time.<\/p>\n<p>[\/vc_column_text][vc_column_text css=&#8221;&#8221;]<\/p>\n<p>In short, this article explains how to read the details of your <a title=\"Equifax\" href=\"https:\/\/milesopedia.com\/en\/go\/equifax\/\" rel=\"noindex\">Equifax<\/a> credit report. Note that we have also created a guide similar to this one for <a href=\"https:\/\/milesopedia.com\/en\/personal-finance\/credit-score\/read-credit-report-transunion\/\">TransUnion<\/a>.<\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;Dashboard&#8221; css=&#8221;&#8221; el_id=&#8221;dashboard&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p>To open a session, first go to the <a target=\"_blank\" href=\"https:\/\/my.equifax.ca\/login\">myEquifax<\/a> page.<\/p>\n<p>[\/vc_column_text][vc_column_text css=&#8221;&#8221;]<\/p>\n<p>After opening your account with <a title=\"Equifax\" href=\"https:\/\/milesopedia.com\/en\/go\/equifax\/\" target=\"_blank\" rel=\"noopener\">Equifax<\/a>, you will access your dashboard displaying your credit score as well as essential information from your credit report such as&nbsp;:<\/p>\n<ul>\n<li>Alerts<\/li>\n<li>Equifax credit report status (lock)<\/li>\n<li>The number of lines of credit<\/li>\n<li>Credit utilization ratio<\/li>\n<\/ul>\n<p>[\/vc_column_text][vc_single_image image=&#8221;368737&#8243; img_size=&#8221;large&#8221; alignment=&#8221;center&#8221; style=&#8221;vc_box_rounded&#8221; css=&#8221;&#8221;][\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;Equifax &#8211; Credit Rating&#8221; font_container=&#8221;tag:h3|text_align:left&#8221; css=&#8221;&#8221; el_id=&#8221;equifax_-_credit_rating&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p>In myEquifax, under &#8220;Your Credit&#8221;, click on the &#8220;Credit Score&#8221; tab.<\/p>\n<p>[\/vc_column_text][vc_column_text css=&#8221;&#8221;]<\/p>\n<p data-placeholder-blurred=\"R\u00e9digez un contenu\" data-placeholder-focused=\"R\u00e9digez un contenu ou saisissez \u00ab \/ \u00bb pour r\u00e9diger avec l'AI+ Content\">You can check your credit score every day. Note, however, that this usually changes once a month.<\/p>\n<p>[\/vc_column_text][vc_single_image image=&#8221;368741&#8243; img_size=&#8221;large&#8221; alignment=&#8221;center&#8221; style=&#8221;vc_box_rounded&#8221; css=&#8221;&#8221;][vc_message css=&#8221;&#8221;]<\/p>\n<p><strong>Tip<\/strong>: Try to <strong>maintain a credit rating above 700-750<\/strong> and you&#8217;ll be approved for most of the cards on the market. But the score isn&#8217;t everything. See our <a href=\"https:\/\/milesopedia.com\/finances-personnelles\/score-credit\/hypotheques-comment-un-preteur-regarde-votre-score-de-credit\/\">article on mortgages<\/a> to understand how a lender looks at your credit file.<\/p>\n<p>[\/vc_message][\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;Equifax &#8211; Alerts&#8221; font_container=&#8221;tag:h3|text_align:left&#8221; css=&#8221;&#8221; el_id=&#8221;equifax_-_alerts&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p>You will receive an e-mail when a new history request is made. A request can be created when your first credit card statement is issued, or when the financial institution reports the statement to <a title=\"Equifax\" href=\"https:\/\/milesopedia.com\/en\/go\/equifax\/\" target=\"_blank\" rel=\"noopener\">Equifax<\/a>.<\/p>\n<p>[\/vc_column_text][vc_column_text css=&#8221;&#8221;]<\/p>\n<p>A closed account can also trigger an update. In myEquifax, under &#8220;Your Credit&#8221;, click on the &#8220;Credit Report&#8221; tab, then on &#8220;Bank Information Reported&#8221;.<\/p>\n<p>[\/vc_column_text][vc_single_image image=&#8221;368745&#8243; img_size=&#8221;large&#8221; alignment=&#8221;center&#8221; style=&#8221;vc_box_rounded&#8221; css=&#8221;&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p data-placeholder-blurred=\"R\u00e9digez un contenu\" data-placeholder-focused=\"R\u00e9digez un contenu ou saisissez \u00ab \/ \u00bb pour r\u00e9diger avec l'AI+ Content\">To view the most recent alerts, click on the &#8220;bell&#8221; at the top right of the screen. You can see the details of current and archived alerts. Generally, an alert will influence your score up or down.<\/p>\n<p>[\/vc_column_text][vc_single_image image=&#8221;368749&#8243; img_size=&#8221;large&#8221; alignment=&#8221;center&#8221; style=&#8221;vc_box_rounded&#8221; css=&#8221;&#8221;][\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;Equifax &#8211; Account analysis and usage rates&#8221; font_container=&#8221;tag:h3|text_align:left&#8221; css=&#8221;&#8221; el_id=&#8221;equifax_-_account_analysis_and_usage_rates&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p>We can&#8217;t stress this enough: <strong>the points and miles hunter doesn&#8217;t go into debt<\/strong> to play the points game. That means paying off your credit cards in full by the due date, every month!<\/p>\n<p>[\/vc_column_text][vc_column_text css=&#8221;&#8221;]<\/p>\n<p data-placeholder-blurred=\"R\u00e9digez un contenu\" data-placeholder-focused=\"R\u00e9digez un contenu ou saisissez \u00ab \/ \u00bb pour r\u00e9diger avec l'AI+ Content\">In myEquifax, under &#8220;Your credit&#8221;, click on the &#8220;Credit Report&#8221; tab, then &#8220;Accounts&#8221;.<\/p>\n<p>[\/vc_column_text][vc_column_text css=&#8221;&#8221;]<\/p>\n<p data-placeholder-blurred=\"R\u00e9digez un contenu\" data-placeholder-focused=\"R\u00e9digez un contenu ou saisissez \u00ab \/ \u00bb pour r\u00e9diger avec l'AI+ Content\">This section lets you view all your accounts (credit cards, line of credit, mortgage, etc.), sorted by category:<\/p>\n<ul>\n<li><strong>Revolving<\/strong>: accounts that include a credit limit and require a minimum monthly payment (e.g. credit cards, line of credit).<\/li>\n<li><strong>Mortgage<\/strong>: home loans that require monthly payments until the loan is repaid.<\/li>\n<li><strong>Installment<\/strong>: consumer credit that gives access to an initial lump sum and is repaid in fixed payments according to a predefined schedule (e.g. car loan, personal loan).<\/li>\n<li><strong>Other<\/strong>: accounts that are not identified as revolving accounts, mortgages or installment loans (e.g., service providers, telecommunications).<\/li>\n<\/ul>\n<p>[\/vc_column_text][vc_single_image image=&#8221;368753&#8243; img_size=&#8221;large&#8221; alignment=&#8221;center&#8221; style=&#8221;vc_box_rounded&#8221; css=&#8221;&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p data-placeholder-blurred=\"R\u00e9digez un contenu\" data-placeholder-focused=\"R\u00e9digez un contenu ou saisissez \u00ab \/ \u00bb pour r\u00e9diger avec l'AI+ Content\">For more information on a credit type (e.g. Revolving), click on &#8220;Show more details&#8221;. For each credit line, you can see&nbsp;:<\/p>\n<ul>\n<li>Reported balance<\/li>\n<li>Credit utilization<\/li>\n<li>The number of late payments<\/li>\n<li>Age of account (history)<\/li>\n<\/ul>\n<p>[\/vc_column_text][vc_single_image image=&#8221;368757&#8243; img_size=&#8221;large&#8221; alignment=&#8221;center&#8221; style=&#8221;vc_box_rounded&#8221; css=&#8221;&#8221;][\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;Credit score components&#8221; font_container=&#8221;tag:h4|text_align:left&#8221; css=&#8221;&#8221; el_id=&#8221;credit_score_components&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p data-placeholder-blurred=\"R\u00e9digez un contenu\" data-placeholder-focused=\"R\u00e9digez un contenu ou saisissez \u00ab \/ \u00bb pour r\u00e9diger avec l'AI+ Content\">As a reminder, your credit score is made up of various components. These include punctuality, credit utilization ratio and account history, which account for 35%, 30% and 15% of the credit score respectively.<\/p>\n<p>[\/vc_column_text][vc_single_image image=&#8221;53507&#8243; img_size=&#8221;large&#8221; alignment=&#8221;center&#8221; style=&#8221;vc_box_rounded&#8221; css=&#8221;&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p data-placeholder-blurred=\"R\u00e9digez un contenu\" data-placeholder-focused=\"R\u00e9digez un contenu ou saisissez \u00ab \/ \u00bb pour r\u00e9diger avec l'AI+ Content\">Here&#8217;s a simple example to explain the utilization ratio:<\/p>\n<ul>\n<li>Mr. Miles has a credit card with a $5,000 limit. He charges $2,500 a month to his card. Its utilization ratio in relation to the credit bureau is 50%.<\/li>\n<li>Mrs Points has 2 credit cards with limits of $5,000 each (for a total of $10,000). Each month, she charges $2,500 to one of these 2 cards. As a result, its utilization ratio in relation to the credit bureau is only 25% (which is below the recommendation not to exceed 30% utilization).<\/li>\n<\/ul>\n<p>[\/vc_column_text][vc_column_text css=&#8221;&#8221;]<\/p>\n<p>In short, it&#8217;s better to have several credit cards with several credit limits&#8230; even if it means leaving them in a drawer. Your credit utilization ratio will drop!<\/p>\n<p>[\/vc_column_text][vc_message css=&#8221;&#8221;]<\/p>\n<p><strong>Tip<\/strong>: Try to pay your credit card account regularly<strong> before the statement date <\/strong>. That way, the balance reported to the credit agencies will be close to $0&#8230; and your credit utilization will be artificially low! For more tips, see our article devoted exclusively to credit reports: &#8221; <a title=\"How Are Credit Scores Calculated in Canada?\" href=\"https:\/\/milesopedia.com\/en\/personal-finance\/credit-score\/read-credit-report-equifax\/\">How are credit scores calculated in Canada?<\/a><\/p>\n<p>[\/vc_message]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='s-h'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"86318\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/div>[\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;Equifax &#8211; Credit Information&#8221; font_container=&#8221;tag:h3|text_align:left&#8221; css=&#8221;&#8221; el_id=&#8221;equifax_-_credit_information&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p data-placeholder-blurred=\"R\u00e9digez un contenu\" data-placeholder-focused=\"R\u00e9digez un contenu ou saisissez \u00ab \/ \u00bb pour r\u00e9diger avec l'AI+ Content\">Still in the accounts tab, if you wish to obtain more information or verify the accuracy of the information, click on &#8220;View more details&#8221;. For each account, you can see&nbsp;:<\/p>\n<ul>\n<li>Credit utilization<\/li>\n<li>Account overview<\/li>\n<li>Balance and amounts<\/li>\n<li>Account dates<\/li>\n<li>Payment history<\/li>\n<\/ul>\n<p>[\/vc_column_text][vc_column_text css=&#8221;&#8221;]<\/p>\n<p><em>Note that all accounts reported to the credit bureau are displayed, whether open or closed.<\/em><\/p>\n<p>[\/vc_column_text][vc_single_image image=&#8221;368761&#8243; img_size=&#8221;large&#8221; alignment=&#8221;center&#8221; style=&#8221;vc_box_rounded&#8221; css=&#8221;&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p data-placeholder-blurred=\"R\u00e9digez un contenu\" data-placeholder-focused=\"R\u00e9digez un contenu ou saisissez \u00ab \/ \u00bb pour r\u00e9diger avec l'AI+ Content\">You can also verify that closed accounts were closed &#8220;at your request&#8221; and have been paid.<\/p>\n<p>[\/vc_column_text][vc_column_text css=&#8221;&#8221;]<\/p>\n<p data-placeholder-blurred=\"R\u00e9digez un contenu\" data-placeholder-focused=\"R\u00e9digez un contenu ou saisissez \u00ab \/ \u00bb pour r\u00e9diger avec l'AI+ Content\">For example, here is a credit card that has been held for 2 years and 6 months. We can see that it has been closed at my request and that the account has been paid up (see &#8220;Closed at customer&#8217;s request, Account paid up&#8221;).<\/p>\n<p>[\/vc_column_text][vc_single_image image=&#8221;368765&#8243; img_size=&#8221;large&#8221; alignment=&#8221;center&#8221; style=&#8221;vc_box_rounded&#8221; css=&#8221;&#8221;][\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;Equifax &#8211; Request access to your credit file&#8221; font_container=&#8221;tag:h3|text_align:left&#8221; css=&#8221;&#8221; el_id=&#8221;equifax_-_request_access_to_your_credit_file&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p data-placeholder-blurred=\"R\u00e9digez un contenu\" data-placeholder-focused=\"R\u00e9digez un contenu ou saisissez \u00ab \/ \u00bb pour r\u00e9diger avec l'AI+ Content\">In myEquifax, under &#8220;Your credit&#8221;, click on the &#8220;Credit Report&#8221; tab, then &#8220;Inquiries&#8221;.<\/p>\n<p>[\/vc_column_text][vc_column_text css=&#8221;&#8221;]<\/p>\n<p>This is where inquiries about your credit history appear. Some banks, such as American Express and Scotiabank, use TransUnion. Other financial institutions, such as CIBC and TD, use <a href=\"https:\/\/milesopedia.com\/en\/go\/equifax\/\">Equifax<\/a> instead. Please note, however, that once your account has been opened, it will be transferred to both credit bureaus.<\/p>\n<p>[\/vc_column_text][vc_column_text css=&#8221;&#8221;]<\/p>\n<p data-placeholder-blurred=\"R\u00e9digez un contenu\" data-placeholder-focused=\"R\u00e9digez un contenu ou saisissez \u00ab \/ \u00bb pour r\u00e9diger avec l'AI+ Content\">Here are the definitions of a &#8220;hard hit&#8221; and a &#8220;soft hit&#8221; and the differences between them:<\/p>\n<ul>\n<li>A &#8220;<strong>hard hit<\/strong>&#8221; is triggered by a <strong>new credit application<\/strong>: card application, mortgage application, request for overdraft authorization on your checking account, etc. This &#8220;hard hit&#8221; <strong>will have an impact on your score<\/strong> and will remain on your file for 3 years.<\/li>\n<li>A &#8220;<strong>soft hit<\/strong>&#8221; is a <strong>regular inquiry<\/strong> made by a lender. It <strong>will not affect your credit score<\/strong>.<\/li>\n<\/ul>\n<p>[\/vc_column_text][vc_single_image image=&#8221;368769&#8243; img_size=&#8221;large&#8221; alignment=&#8221;center&#8221; style=&#8221;vc_box_rounded&#8221; css=&#8221;&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p><em>Note that American Express &#8220;hard hits&#8221; are displayed on the TransUnion folder, not <a href=\"https:\/\/milesopedia.com\/en\/go\/equifax\/\">Equifax<\/a>.<\/em><\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;Equifax &#8211; Credit file lock&#8221; font_container=&#8221;tag:h3|text_align:left&#8221; css=&#8221;&#8221; el_id=&#8221;equifax_-_credit_file_lock&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p data-placeholder-blurred=\"R\u00e9digez un contenu\" data-placeholder-focused=\"R\u00e9digez un contenu ou saisissez \u00ab \/ \u00bb pour r\u00e9diger avec l'AI+ Content\">In myEquifax, under &#8220;Your credit&#8221;, click on the &#8220;Credit Report&#8221; tab, then &#8220;Credit Lock&#8221;.<\/p>\n<p>[\/vc_column_text][vc_column_text css=&#8221;&#8221;]<\/p>\n<p data-placeholder-blurred=\"R\u00e9digez un contenu\" data-placeholder-focused=\"R\u00e9digez un contenu ou saisissez \u00ab \/ \u00bb pour r\u00e9diger avec l'AI+ Content\">This is where you can check the status of the credit report lock option, lock or unlock it. Locking your credit report limits lenders&#8217; access to your Equifax credit report. However, don&#8217;t forget to unlock your credit report to apply for new credit cards or to increase your current credit limits.<\/p>\n<p>[\/vc_column_text][vc_single_image image=&#8221;368773&#8243; img_size=&#8221;large&#8221; alignment=&#8221;center&#8221; style=&#8221;vc_box_rounded&#8221; css=&#8221;&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p>For more information, read this guide: &#8220;<a title=\"Secure your file with a credit lock\" href=\"https:\/\/milesopedia.com\/en\/personal-finance\/credit-score\/credit-lock\/\">Secure your file with a credit lock<\/a>&#8220;.<\/p>\n<p>[\/vc_column_text]<div class=\"wpb_content_element wpb_miles_element\">\t\t<div\n\t\t\t\tdata-template='s-h'\n\t\t\t\tdata-post_type='post'\n\t\t\t\tdata-per_page='4'\n\t\t\t\tclass='deferred_container--preload container_post container_template--s-h container_count--1'\n\n\t\t\t\t\t\t\t\t\tdata-tag=\"post_id\"\n\t\t\t\t\t\t\tdata-post_ids=\"249474\"\n\t\t\t\t\t\t\t>\n\t\t<article class=\"post-preview\">\n\t<div class=\"post-preview-thumbnail\">\n\t\t<div class=\"shimmer shimmer-image\"><\/div>\n\t<\/div>\n\t<div class=\"post-preview-content\">\n\t\t<div class=\"simmer-bar-group\">\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t\t<div class=\"shimmer shimmer-bar\"><\/div>\n\t\t<\/div>\n\t<\/div>\n<\/article>\t\t<\/div>\n\n\t\t<\/div>[\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;Equifax &#8211; Personal Information&#8221; font_container=&#8221;tag:h3|text_align:left&#8221; css=&#8221;&#8221; el_id=&#8221;equifax_-_personal_information&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p data-placeholder-blurred=\"R\u00e9digez un contenu\" data-placeholder-focused=\"R\u00e9digez un contenu ou saisissez \u00ab \/ \u00bb pour r\u00e9diger avec l'AI+ Content\">The information section may be less important than the other sections, but you should still pay attention to it to check if any of the information is wrong.<\/p>\n<p>[\/vc_column_text][vc_column_text css=&#8221;&#8221;]<\/p>\n<p data-placeholder-blurred=\"R\u00e9digez un contenu\" data-placeholder-focused=\"R\u00e9digez un contenu ou saisissez \u00ab \/ \u00bb pour r\u00e9diger avec l'AI+ Content\">You can see&nbsp;:<\/p>\n<ul>\n<li>Status of credit file lock option<\/li>\n<li>Identification information (name, date of birth, social insurance number)<\/li>\n<li>Phone number<\/li>\n<li>Addresses<\/li>\n<li>Jobs<\/li>\n<\/ul>\n<p>[\/vc_column_text][vc_single_image image=&#8221;368777&#8243; img_size=&#8221;large&#8221; alignment=&#8221;center&#8221; style=&#8221;vc_box_rounded&#8221; css=&#8221;&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p data-placeholder-blurred=\"R\u00e9digez un contenu\" data-placeholder-focused=\"R\u00e9digez un contenu ou saisissez \u00ab \/ \u00bb pour r\u00e9diger avec l'AI+ Content\">This information is used to identify you when you apply for a new credit card. So check their accuracy.<\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row][vc_row][vc_column][vc_custom_heading text=&#8221;Bottom Line&#8221; css=&#8221;&#8221; el_id=&#8221;bottom_line&#8221;][vc_column_text css=&#8221;&#8221;]<\/p>\n<p data-placeholder-blurred=\"R\u00e9digez un contenu\" data-placeholder-focused=\"R\u00e9digez un contenu ou saisissez \u00ab \/ \u00bb pour r\u00e9diger avec l'AI+ Content\">In short, it&#8217;s important to request the details of your credit report once a year, in particular to check the accuracy of the information. You can get your report in paper or electronic format.<\/p>\n<p>[\/vc_column_text][vc_column_text css=&#8221;&#8221;]<\/p>\n<p data-placeholder-blurred=\"R\u00e9digez un contenu\" data-placeholder-focused=\"R\u00e9digez un contenu ou saisissez \u00ab \/ \u00bb pour r\u00e9diger avec l'AI+ Content\">For more information or additional services such as credit and identity monitoring, you can take out a subscription (for a fee).<\/p>\n<p>[\/vc_column_text][vc_column_text css=&#8221;&#8221;]<\/p>\n<p>For more information on your credit file or to contact customer service, visit the<a title=\"Equifax\" href=\"https:\/\/milesopedia.com\/en\/go\/equifax\/\" target=\"_blank\" rel=\"noopener\">Equifax<\/a> website.<\/p>\n<p>[\/vc_column_text][\/vc_column][\/vc_row]<\/p>\n<\/div>","protected":false},"excerpt":{"rendered":"<p>Are you looking to read and understand your credit report? In this article, we explain how to read your Equifax credit report and give you tips on how to keep your credit score under control.<\/p>","protected":false},"author":2455,"featured_media":86591,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_relevanssi_hide_post":"","_relevanssi_hide_content":"","_relevanssi_pin_for_all":"","_relevanssi_pin_keywords":"","_relevanssi_unpin_keywords":"","_relevanssi_related_keywords":"","_relevanssi_related_include_ids":"","_relevanssi_related_exclude_ids":"","_relevanssi_related_no_append":"","_relevanssi_related_not_related":"","_relevanssi_related_posts":"","_relevanssi_noindex_reason":"","footnotes":""},"categories":[48133],"tags":[],"mc_loyalty_program":[],"class_list":["post-63994","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-credit-score","mc_market-all-of-canada","tutorial-credit-score"],"acf":{"mc_approved_badge":false,"mc_card_used":"","mc_featured_card_specific":null,"mc_hide_featured_card":false,"mc_post_checklist":{"mc_post_checklist_true":null,"mc_post_checklist_false":null}},"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.4 (Yoast SEO v27.4) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Credit score: How to read your Equifax credit report? | Milesopedia<\/title>\n<meta name=\"description\" content=\"In this article, we explain how to read your Equifax credit report and how to improve your credit score with some tips.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/milesopedia.com\/en\/personal-finance\/credit-score\/read-credit-report-equifax\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Credit score: How to read your Equifax credit report?\" \/>\n<meta property=\"og:description\" content=\"In this article, we explain how to read your Equifax credit report and how to improve your credit score with some tips.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/milesopedia.com\/en\/personal-finance\/credit-score\/read-credit-report-equifax\/\" \/>\n<meta property=\"og:site_name\" content=\"Milesopedia\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/milesopedia\" \/>\n<meta property=\"article:published_time\" content=\"2024-04-18T15:00:00+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2024-05-31T18:49:34+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/milesopedia.com\/wp-content\/uploads\/2017\/08\/equifax-featured-.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"2286\" \/>\n\t<meta property=\"og:image:height\" content=\"1200\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Milesopedia\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@milesopedia\" \/>\n<meta name=\"twitter:site\" content=\"@milesopedia\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/milesopedia.com\\\/en\\\/personal-finance\\\/credit-score\\\/read-credit-report-equifax\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/milesopedia.com\\\/en\\\/personal-finance\\\/credit-score\\\/read-credit-report-equifax\\\/\"},\"author\":{\"name\":\"Milesopedia\",\"@id\":\"https:\\\/\\\/milesopedia.com\\\/en\\\/#\\\/schema\\\/person\\\/21dc4f34a374fd7106807dee871d2573\"},\"headline\":\"Credit score: How to read your Equifax credit report?\",\"datePublished\":\"2024-04-18T15:00:00+00:00\",\"dateModified\":\"2024-05-31T18:49:34+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/milesopedia.com\\\/en\\\/personal-finance\\\/credit-score\\\/read-credit-report-equifax\\\/\"},\"wordCount\":1948,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\\\/\\\/milesopedia.com\\\/en\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/milesopedia.com\\\/en\\\/personal-finance\\\/credit-score\\\/read-credit-report-equifax\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/milesopedia.com\\\/wp-content\\\/uploads\\\/2017\\\/08\\\/equifax-featured-.jpg\",\"articleSection\":[\"Credit Score\"],\"inLanguage\":\"en-CA\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/milesopedia.com\\\/en\\\/personal-finance\\\/credit-score\\\/read-credit-report-equifax\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/milesopedia.com\\\/en\\\/personal-finance\\\/credit-score\\\/read-credit-report-equifax\\\/\",\"url\":\"https:\\\/\\\/milesopedia.com\\\/en\\\/personal-finance\\\/credit-score\\\/read-credit-report-equifax\\\/\",\"name\":\"Credit score: How to read your Equifax credit report? | Milesopedia\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/milesopedia.com\\\/en\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/milesopedia.com\\\/en\\\/personal-finance\\\/credit-score\\\/read-credit-report-equifax\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/milesopedia.com\\\/en\\\/personal-finance\\\/credit-score\\\/read-credit-report-equifax\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/milesopedia.com\\\/wp-content\\\/uploads\\\/2017\\\/08\\\/equifax-featured-.jpg\",\"datePublished\":\"2024-04-18T15:00:00+00:00\",\"dateModified\":\"2024-05-31T18:49:34+00:00\",\"description\":\"In this article, we explain how to read your Equifax credit report and how to improve your credit score with some tips.\",\"inLanguage\":\"en-CA\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/milesopedia.com\\\/en\\\/personal-finance\\\/credit-score\\\/read-credit-report-equifax\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-CA\",\"@id\":\"https:\\\/\\\/milesopedia.com\\\/en\\\/personal-finance\\\/credit-score\\\/read-credit-report-equifax\\\/#primaryimage\",\"url\":\"https:\\\/\\\/milesopedia.com\\\/wp-content\\\/uploads\\\/2017\\\/08\\\/equifax-featured-.jpg\",\"contentUrl\":\"https:\\\/\\\/milesopedia.com\\\/wp-content\\\/uploads\\\/2017\\\/08\\\/equifax-featured-.jpg\",\"width\":2286,\"height\":1200,\"caption\":\"Equifax Featured\"},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/milesopedia.com\\\/en\\\/#website\",\"url\":\"https:\\\/\\\/milesopedia.com\\\/en\\\/\",\"name\":\"Milesopedia\",\"description\":\"Programmes de fid\u00e9lit\u00e9 et cartes de cr\u00e9dit au Canada\",\"publisher\":{\"@id\":\"https:\\\/\\\/milesopedia.com\\\/en\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/milesopedia.com\\\/en\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-CA\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/milesopedia.com\\\/en\\\/#organization\",\"name\":\"Milesopedia Canada\",\"alternateName\":\"Milesopedia\",\"url\":\"https:\\\/\\\/milesopedia.com\\\/en\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-CA\",\"@id\":\"https:\\\/\\\/milesopedia.com\\\/en\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/milesopedia.com\\\/wp-content\\\/uploads\\\/2023\\\/01\\\/MILESOPEDIA-logo-cmjn-black-V3@4x.png\",\"contentUrl\":\"https:\\\/\\\/milesopedia.com\\\/wp-content\\\/uploads\\\/2023\\\/01\\\/MILESOPEDIA-logo-cmjn-black-V3@4x.png\",\"width\":1600,\"height\":261,\"caption\":\"Milesopedia Canada\"},\"image\":{\"@id\":\"https:\\\/\\\/milesopedia.com\\\/en\\\/#\\\/schema\\\/logo\\\/image\\\/\"},\"sameAs\":[\"https:\\\/\\\/www.facebook.com\\\/milesopedia\",\"https:\\\/\\\/x.com\\\/milesopedia\",\"https:\\\/\\\/www.linkedin.com\\\/company\\\/milesopedia\",\"https:\\\/\\\/www.tiktok.com\\\/@milesopedia\",\"https:\\\/\\\/www.youtube.com\\\/milesopedia\"]},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/milesopedia.com\\\/en\\\/#\\\/schema\\\/person\\\/21dc4f34a374fd7106807dee871d2573\",\"name\":\"Milesopedia\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-CA\",\"@id\":\"https:\\\/\\\/milesopedia.com\\\/wp-content\\\/uploads\\\/2022\\\/12\\\/MILESOPEDIA-logo-icono-cmjn-V3@4x-200x193.png\",\"url\":\"https:\\\/\\\/milesopedia.com\\\/wp-content\\\/uploads\\\/2022\\\/12\\\/MILESOPEDIA-logo-icono-cmjn-V3@4x-200x193.png\",\"contentUrl\":\"https:\\\/\\\/milesopedia.com\\\/wp-content\\\/uploads\\\/2022\\\/12\\\/MILESOPEDIA-logo-icono-cmjn-V3@4x-200x193.png\",\"caption\":\"Milesopedia\"},\"description\":\"Milesopedia est votre guide incontournable pour maximiser les avantages des programmes de r\u00e9compenses, des cartes de cr\u00e9dit et des voyages \u00e0 petit prix. R\u00e9dig\u00e9 par une \u00e9quipe passionn\u00e9e d\u2019experts en finances personnelles et en voyages, chaque article sign\u00e9 Milesopedia refl\u00e8te notre engagement \u00e0 fournir des conseils pratiques, des strat\u00e9gies efficaces et des analyses d\u00e9taill\u00e9es pour vous aider \u00e0 \u00e9conomiser et \u00e0 voyager plus intelligemment. Que vous soyez un novice ou un expert, Milesopedia est l\u00e0 pour vous accompagner dans vos projets et r\u00e9pondre \u00e0 toutes vos questions.\",\"url\":\"https:\\\/\\\/milesopedia.com\\\/en\\\/author\\\/milesopedia\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO Premium plugin. -->","yoast_head_json":{"title":"Credit score: How to read your Equifax credit report? | Milesopedia","description":"In this article, we explain how to read your Equifax credit report and how to improve your credit score with some tips.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/milesopedia.com\/en\/personal-finance\/credit-score\/read-credit-report-equifax\/","og_locale":"en_US","og_type":"article","og_title":"Credit score: How to read your Equifax credit report?","og_description":"In this article, we explain how to read your Equifax credit report and how to improve your credit score with some tips.","og_url":"https:\/\/milesopedia.com\/en\/personal-finance\/credit-score\/read-credit-report-equifax\/","og_site_name":"Milesopedia","article_publisher":"https:\/\/www.facebook.com\/milesopedia","article_published_time":"2024-04-18T15:00:00+00:00","article_modified_time":"2024-05-31T18:49:34+00:00","og_image":[{"width":2286,"height":1200,"url":"https:\/\/milesopedia.com\/wp-content\/uploads\/2017\/08\/equifax-featured-.jpg","type":"image\/jpeg"}],"author":"Milesopedia","twitter_card":"summary_large_image","twitter_creator":"@milesopedia","twitter_site":"@milesopedia","schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/milesopedia.com\/en\/personal-finance\/credit-score\/read-credit-report-equifax\/#article","isPartOf":{"@id":"https:\/\/milesopedia.com\/en\/personal-finance\/credit-score\/read-credit-report-equifax\/"},"author":{"name":"Milesopedia","@id":"https:\/\/milesopedia.com\/en\/#\/schema\/person\/21dc4f34a374fd7106807dee871d2573"},"headline":"Credit score: How to read your Equifax credit report?","datePublished":"2024-04-18T15:00:00+00:00","dateModified":"2024-05-31T18:49:34+00:00","mainEntityOfPage":{"@id":"https:\/\/milesopedia.com\/en\/personal-finance\/credit-score\/read-credit-report-equifax\/"},"wordCount":1948,"commentCount":0,"publisher":{"@id":"https:\/\/milesopedia.com\/en\/#organization"},"image":{"@id":"https:\/\/milesopedia.com\/en\/personal-finance\/credit-score\/read-credit-report-equifax\/#primaryimage"},"thumbnailUrl":"https:\/\/milesopedia.com\/wp-content\/uploads\/2017\/08\/equifax-featured-.jpg","articleSection":["Credit Score"],"inLanguage":"en-CA","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/milesopedia.com\/en\/personal-finance\/credit-score\/read-credit-report-equifax\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/milesopedia.com\/en\/personal-finance\/credit-score\/read-credit-report-equifax\/","url":"https:\/\/milesopedia.com\/en\/personal-finance\/credit-score\/read-credit-report-equifax\/","name":"Credit score: How to read your Equifax credit report? | Milesopedia","isPartOf":{"@id":"https:\/\/milesopedia.com\/en\/#website"},"primaryImageOfPage":{"@id":"https:\/\/milesopedia.com\/en\/personal-finance\/credit-score\/read-credit-report-equifax\/#primaryimage"},"image":{"@id":"https:\/\/milesopedia.com\/en\/personal-finance\/credit-score\/read-credit-report-equifax\/#primaryimage"},"thumbnailUrl":"https:\/\/milesopedia.com\/wp-content\/uploads\/2017\/08\/equifax-featured-.jpg","datePublished":"2024-04-18T15:00:00+00:00","dateModified":"2024-05-31T18:49:34+00:00","description":"In this article, we explain how to read your Equifax credit report and how to improve your credit score with some tips.","inLanguage":"en-CA","potentialAction":[{"@type":"ReadAction","target":["https:\/\/milesopedia.com\/en\/personal-finance\/credit-score\/read-credit-report-equifax\/"]}]},{"@type":"ImageObject","inLanguage":"en-CA","@id":"https:\/\/milesopedia.com\/en\/personal-finance\/credit-score\/read-credit-report-equifax\/#primaryimage","url":"https:\/\/milesopedia.com\/wp-content\/uploads\/2017\/08\/equifax-featured-.jpg","contentUrl":"https:\/\/milesopedia.com\/wp-content\/uploads\/2017\/08\/equifax-featured-.jpg","width":2286,"height":1200,"caption":"Equifax Featured"},{"@type":"WebSite","@id":"https:\/\/milesopedia.com\/en\/#website","url":"https:\/\/milesopedia.com\/en\/","name":"Milesopedia","description":"Programmes de fid\u00e9lit\u00e9 et cartes de cr\u00e9dit au Canada","publisher":{"@id":"https:\/\/milesopedia.com\/en\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/milesopedia.com\/en\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-CA"},{"@type":"Organization","@id":"https:\/\/milesopedia.com\/en\/#organization","name":"Milesopedia Canada","alternateName":"Milesopedia","url":"https:\/\/milesopedia.com\/en\/","logo":{"@type":"ImageObject","inLanguage":"en-CA","@id":"https:\/\/milesopedia.com\/en\/#\/schema\/logo\/image\/","url":"https:\/\/milesopedia.com\/wp-content\/uploads\/2023\/01\/MILESOPEDIA-logo-cmjn-black-V3@4x.png","contentUrl":"https:\/\/milesopedia.com\/wp-content\/uploads\/2023\/01\/MILESOPEDIA-logo-cmjn-black-V3@4x.png","width":1600,"height":261,"caption":"Milesopedia Canada"},"image":{"@id":"https:\/\/milesopedia.com\/en\/#\/schema\/logo\/image\/"},"sameAs":["https:\/\/www.facebook.com\/milesopedia","https:\/\/x.com\/milesopedia","https:\/\/www.linkedin.com\/company\/milesopedia","https:\/\/www.tiktok.com\/@milesopedia","https:\/\/www.youtube.com\/milesopedia"]},{"@type":"Person","@id":"https:\/\/milesopedia.com\/en\/#\/schema\/person\/21dc4f34a374fd7106807dee871d2573","name":"Milesopedia","image":{"@type":"ImageObject","inLanguage":"en-CA","@id":"https:\/\/milesopedia.com\/wp-content\/uploads\/2022\/12\/MILESOPEDIA-logo-icono-cmjn-V3@4x-200x193.png","url":"https:\/\/milesopedia.com\/wp-content\/uploads\/2022\/12\/MILESOPEDIA-logo-icono-cmjn-V3@4x-200x193.png","contentUrl":"https:\/\/milesopedia.com\/wp-content\/uploads\/2022\/12\/MILESOPEDIA-logo-icono-cmjn-V3@4x-200x193.png","caption":"Milesopedia"},"description":"Milesopedia est votre guide incontournable pour maximiser les avantages des programmes de r\u00e9compenses, des cartes de cr\u00e9dit et des voyages \u00e0 petit prix. R\u00e9dig\u00e9 par une \u00e9quipe passionn\u00e9e d\u2019experts en finances personnelles et en voyages, chaque article sign\u00e9 Milesopedia refl\u00e8te notre engagement \u00e0 fournir des conseils pratiques, des strat\u00e9gies efficaces et des analyses d\u00e9taill\u00e9es pour vous aider \u00e0 \u00e9conomiser et \u00e0 voyager plus intelligemment. Que vous soyez un novice ou un expert, Milesopedia est l\u00e0 pour vous accompagner dans vos projets et r\u00e9pondre \u00e0 toutes vos questions.","url":"https:\/\/milesopedia.com\/en\/author\/milesopedia\/"}]}},"_links":{"self":[{"href":"https:\/\/milesopedia.com\/en\/wp-json\/wp\/v2\/posts\/63994","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/milesopedia.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/milesopedia.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/milesopedia.com\/en\/wp-json\/wp\/v2\/users\/2455"}],"replies":[{"embeddable":true,"href":"https:\/\/milesopedia.com\/en\/wp-json\/wp\/v2\/comments?post=63994"}],"version-history":[{"count":0,"href":"https:\/\/milesopedia.com\/en\/wp-json\/wp\/v2\/posts\/63994\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/milesopedia.com\/en\/wp-json\/wp\/v2\/media\/86591"}],"wp:attachment":[{"href":"https:\/\/milesopedia.com\/en\/wp-json\/wp\/v2\/media?parent=63994"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/milesopedia.com\/en\/wp-json\/wp\/v2\/categories?post=63994"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/milesopedia.com\/en\/wp-json\/wp\/v2\/tags?post=63994"},{"taxonomy":"mc_loyalty_program","embeddable":true,"href":"https:\/\/milesopedia.com\/en\/wp-json\/wp\/v2\/mc_loyalty_program?post=63994"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}