How are credit scores calculated? Why do credit scores change? Are a credit report and a credit score the same thing? What is a co-signer? F131 What is in my Equifax credit file that's preventing me from obtaining credit? What is a credit score? What types of credit score monitoring alerts can I receive? What is the difference between credit scores from Equifax and credit scores from FICO? How do I customize my credit score monitoring alerts? How do I redeem a gift certificate or promotion code? What have the Nationwide Credit Reporting Agencies (NCRAs) changed with respect to medical collection debt on consumer credit files? Why are the credit bureaus removing paid medical collections debt from credit reports? How will my credit score be impacted by the changes in medical collection debt reporting? I have medical debt that was sent to a collection agency - does that appear on my credit reports? When you remove the debt will you send an updated copy of my credit report? When it comes to credit scores, will I be penalized for shopping around for the best interest rate? What are the most common factors that can negatively impact credit scores? Why do I have different credit scores? What are the Equifax credit score ranges? How do lenders use credit scores? How do I obtain a credit report for a deceased person? How secure is the information I provide to Equifax.com? Does placing a fraud alert hurt my credit scores? Can Equifax assist consumers who are deaf or hard of hearing? Where can I find my credit scores?