The answer is "Equifax".
Equifax is a credit reporting agency and dependent on the data that they have on shoppers, they concoct a financial assessment. At the point when a purchaser applies for an advance, be it a house, vehicle, a charge card, an individual advance from a bank, etc, the loan specialist demands data from organizations like Equifax (the other two major credit detailing offices that moneylenders routinely go to for credit reports and FICO assessments are Experian and TransUnion). Equifax will at that point send over the credit report and FICO rating to the moneylender. In light of that financial record the moneylender would then be able to settle on a choice to give you an advance, or not give you one, and what your loan fee will be.
