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One of the three major credit report companies, Equifax, is used by many businesses interested in learning about your credit history. Similar to the other two, this credit report company provides some basic personal information, as well as the credit history as it has been reported to them by your creditors. An Equifax credit report includes only that information which has been shared with them. Just like the other credit report bureaus, they do not go out and actively seek information on the consumers whose credit history they maintain. This is why it is important for you as a consumer to regularly check your credit report for fraud or other inaccuracies.