Is Equifax not showing your credit score?
Equifax, one of the three major credit reporting agencies, plays a crucial role in your financial journey.
It collects and maintains credit information on over 800 million consumers worldwide.
However, there are instances when Equifax might not display your credit score.
In this guide, we will discuss why Equifax not showing your credit score and How to Ensure Your Credit Score Is Displayed on Equifax?
Why Is Equifax Not Showing My Credit Score?
There are several reasons why your credit score might not be showing on Equifax. Let’s explore them in detail.
1. Insufficient Credit History
One of the primary reasons why your credit score might not be showing on Equifax is due to an insufficient credit history.
If you’re new to credit, such as a young adult who just started working or a recent immigrant, you might not have enough credit history for Equifax to calculate a credit score. This situation is often referred to as having a “thin file.”
2. Discrepancies In Personal Information
Errors in your personal information, such as your name, address, or Social Security number, can prevent Equifax from correctly matching your credit file.
3. Technical Issues
Occasionally, technical issues on Equifax’s end might prevent your credit score from being displayed.
These could range from server issues to problems with their credit scoring algorithm.
How To Ensure Your Credit Score Is Displayed On Equifax?
Step 1: Build Your Credit History
If you’re new to credit, it’s crucial to start building your credit history.
Apply for a credit card or a small personal loan.
Choose a credit card that suits your lifestyle and spending habits. Make sure the lender reports to all three credit bureaus, including Equifax.
Once you have a credit account, use it responsibly.
Make small purchases that you can pay off in full each month. This will help you avoid accumulating debt while building a positive credit history.
Make sure to make all your payments on time. Late or missed payments can negatively impact your credit score.
Step 2: Verify Your Personal Information
Equifax needs accurate personal information to match your credit file correctly.
You’re entitled to a free credit report from each of the three credit bureaus, including Equifax, once a year through AnnualCreditReport.com.
Review the personal information section of your credit report. This includes your name, address, Social Security number, and date of birth.
If you find any errors, report them to Equifax immediately. You can do this online or by mail. Equifax is required to investigate and correct any errors within 30 days.
Step 3: Regularly Check Your Credit Report
Regularly checking your credit report can help you spot any errors or signs of identity theft early.
As mentioned earlier, you’re entitled to a free credit report from each of the three credit bureaus once a year.
Go through each section of your credit report carefully. Look for any errors or suspicious activity.
If you find any errors or signs of identity theft, report them to Equifax immediately.