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    Which Credit Cards use Equifax?

    Equifax, along with Experian and TransUnion, is a consumer credit reporting agency. Equifax is the oldest of the three agencies, and its tasks include gathering and keeping track of credit information on over 400 million consumers all over the world. The company has been in business of keeping tabs on people's spending since 1899. It may sound like Big Brother but the fact is, that credit bureaus like Equifax hold the golden ticket to your financial future. A decent credit rating from a company is an open door to all the important financial milestones. Purchasing a home, a car, starting a business... all of these life steps are worlds easier when you have a credit organization like Equifax behind you. The bottom line is, judicious use of credit cards can go a long way toward improving your credit score and Equifax will track that for you.

    You may or may not know that different cards report their records to different credit bureaus. Each of the three bureaus has a different means of determining your credit rating, and for this reason, you may have a better score from one or another of the bureaus. One of the most important parts of managing your credit is keeping on top of your rating. Knowing which bureaus your card or cards report to is a first step.

    Almost all of the major credit card companies report to Equifax, including American Express, Discover, Chase, Citibank and Credit One. One thing to be sure to watch for, if you are interested in keeping your credit rating as high as possible (and, who isn't?), is cards that fail to report your credit limit to Equifax. Part of what determines your credit rating is how much of your available credit you use each month. Cards that neglect to provide this information to Equifax or any of the other bureaus can greatly harm your credit rating. If you spend one to two hundred dollars out of an available credit limit of five thousand, your credit rating will rise. However, if the credit card company doesn't provide the information of your five thousand dollar limit, your credit report shows that you have spent one to two hundred dollars over your non-existent limit. This always results in a negative rating.

    Credit ratings and the credit industry in general can be tricky to understand and manage, but keeping up with your cards and how they can help you is worth the trouble. Equifax is an excellent company with a long history of responsible reporting.

    About the Author:
    Paul Basco Provides Expert opinions and reviews to help you Compare and Apply for a Credit Card Offers online. At, we offer no annual fee credit cards, low apr credit cards, fair credit credit cards and much more.

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