Yes, and it only tracks defaults; and you're notified 30 days before being added to the file. And you are removed from the file as soon as you repaid what you o

Yes, and it only tracks defaults; and you're notified 30 days before being added to the file. And you are removed from the file as soon as you repaid what you owed. Source: https://www.service-public.fr/particuliers/vosdroits/F17608 https://www.service-public.fr/particuliers/vosdroits/F17608 That's nowhere near the amount of data Equifax collects.