Equihax
EDIT: see philipodonnell's reply to this post for an alternative explanation. I may have jumped the gun.<p>As far as I know credit scores are not part of credit reports as they do not show up when you request your credit report. If they were storing "credit score" as part of your credit report but withholding that information when you request a copy that would seem to violate the Fair Credit Reporting Act.<p>It wouldn't really make sense to store a credit score with the report anyways, it would only make sense to generate it on the fly only when a lender requests it. I'm assuming that different creditors report credit information on different days so it would be changing every time a creditor submitted information on that person which would be multiple times a month for someone with multiple accounts. And if the credit score algorithm was updated they would have to recalculate the "credit score" field on the entire database! This wouldn't really make sense from a technical perspective.<p>Furthermore, there's not just one "credit score," there's different algorithms for coming up with a credit score. One creditor may request FICO 8 and another one may request VantageScore 3.0 on the same day. Then another comes by and wants FICO 5. So even if they saving a credit score in the database I wouldn't think that they would have a field labeled as a generic "credit score" without any qualifier. It would be "FICO 8 score" or whatever algorithm was used to generate the score.<p>There's also other problems, I don't have my Equifax report in front of me right now but credit bureaus store alternative/former names which aren't included here. Like for me my reported names are FirstName LastName; FirstName MiddleInital LastName; and FirstName MiddleName LastName. All because different creditors reported my name slightly differently. If you change your name (like Kim Kardashian did - she's Kim Kardashian West now) it would report both your former name(s) and current name(s). I don't see any indication that this sort of information is included.<p>Therefore I very seriously doubt the authenticity.<p>(From a technical perspective "pdf" is not a MIME type, the MIME type of PDF files is "application/pdf")