EquiFax Credit Report

Equifax Credit Information Services Private Limited(ECIS) is a credit bureau founded in 1989 in the United States of America. In India, it was given the license in March 2010 by RBI and has partnered with seven different corporations including Bank of Baroda, State Bank of India, Kotak Mahindra Bank, Sundaram Financial Services and Union Bank of India.



Year of establishment


Cost of credit report and credit score

₹400 plus (Credit report + Credit score)

Scoring system

1-999 where 1 is the lowest and 999 being the highest

Time taken to generate the report

10 days

Types of Equifax Credit Report

Equifax India offers two types of credit reports:

The basic credit information report shows details like credit summary, personal information whereas the enhanced credit information report shows a detailed credit report in a visual manner. It features credit mix, graphs, delinquency trends, and so on. This is a detailed version to understand the customer’s credit behavior.

Categories of Equifax Credit Report

In an Equifax credit report, there are five sections, namely:

More About Basic Information Equifax Credit Report

A basic credit information report displays an individual’s credit profile in a basic way. This is easily readable and lets the borrower or the client know more about his/her creditworthiness. The credit report has mainly five sections:

More About Enhanced Credit Information Report

The enhanced Equifax credit information report is an advanced version of the basic credit report where all the information is shown in visual representations such as graphs and illustrations. Even the enhanced report has 5 main sections:

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How to check your Equifax Credit Report?

In order to check your Equifax Credit Report, you must fulfill the following formalities: