Equifax is one of two main UK companies who hold details of your financial behaviour. Every time someone applies for credit, the financing company conducts credit scoring using their own cooked up formulae that remain confidential so people can’t work out how to cheat the system.

Hey all your details in one file with a rating on what type of person you are with regards to lending and finance, hey I know my capabilities because of my situation just prior to this boom in credit card lending and the constantly updated credit scoring system, I was very good at handling my money.

I initially took a monthly trail for free and was pleased with the service. Gave me new ideas on credit card. Now I am using my card to thr fullest.