Equifax no credit file

One time deal only though. Does not update. Maybe it is an issue with Mogo and not equifax. Have you inquired with equifax directly? You can always request equifax to correct data which in your case would be to actually have something. Yes, it's quite possible for one credit rating company to have no data on you. They get their data directly from their customers, i.

This is important as it is what lenders like banks, as well as telephone, electricity and gas companies can refer to when you make an application for a loan, credit card, mortgage or contract for a phone or electricity. Getting your up to date Equifax Credit Report means there are no surprises for you when you apply.

You need to be 18 years of age and over to order a copy of your Equifax Credit Report. A security freeze is one step you can take to help prevent access to your Equifax credit report to open credit accounts, with certain exceptions.

Freezes are federally regulated. To freeze your other credit reports, you will need to contact Experian and TransUnion directly. Before applying for credit, you will need to lift your security freeze so that potential creditors can access your Equifax credit report. At Equifax, you can manage your freeze online with your username and password after creating a myEquifax account.

You can also manage your freeze by phone: call us at You'll be required to give certain information to verify your identity. You'll also have the option to receive a one-time PIN by text message or answer questions based on information in your Equifax credit report for identity verification. Placing, lifting and removing a security freeze is free. Switch My Plan No Thanks.

Your Credit. Your Identity. Cancel at any time, no partial month refunds. Learn More. Previous Next. Visit the Equifax Consumer Services Center. Access helpful services and useful information to help you take control of your credit report, and better protect yourself from identity theft and fraud. Consumer Privacy for California Residents. Need quick answers? What is a Good Credit Score? Take control of your financial journey. The pandemic has upended the global economy, disrupted our personal lives and finances.

Learn: Understand your credit. Credit can be complicated. But it doesn't have to be. Learning responsible credit behavior can set you up to reach your goals. Find out what's in your Equifax credit report, how your credit scores are calculated, and how to get on track in your credit journey. Plan: Reach your financial goals. Life is a series of milestones, and when it comes to finances, knowledge is your most valuable asset. If you're planning to buy a home, purchase a car, or take out a loan, find out what potential lenders are looking for.

Protect: Help better protect yourself from identity theft. Find out how identity theft happens, and whether you or your loved ones may be at risk. Learn how to better protect your identity, and what you should look out for.

And if you've been the victim of identity theft, find out what you can do immediately to begin the recovery process. Just the Facts. Answers to common questions. How do I place, temporarily lift, or permanently remove a security freeze? Online , by creating a myEquifax account.