Credit Report (Hard Inquiry)

Equifax’s Credit Report (Hard Inquiry) provides comprehensive consumer credit information that is accessed during credit application reviews where consumer consent is obtained. This includes detailed tradeline data, public records, collections, and inquiry history — critical for underwriting decisions in lending, tenancy, and other regulated scenarios. This report is compliant with FCRA guidelines and is used to assess creditworthiness during applications for products such as auto loans, mortgages, credit cards, or tenant screening. It typically triggers a temporary decrease in the consumer’s credit score due to the nature of a “hard pull.”