What is the difference between a score and credit report?

An Equifax credit report is the detail of your credit history to date whereas a score is simply a number which is derived from the information on your credit report. Your Equifax credit score is not part of your credit report and is generated at a point in time.

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To make sure you are accessing the right product, we need you to answer the following questions.

You can get a free copy of your personal Equifax credit report:

if you have been declined credit in the last 90 days; or
if you have had an item corrected on your Equifax credit report; or
once every 12 months.

If you do not meet the criteria, a once-off Equifax credit report is currently available for free.

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