Free Equifax Credit Report

 

Equifaxis a US-based consumer credit reporting agency that maintains information on approximately 400 million consumers across the globe. Founded in 1899, Equifaxis among the three largest credit agencies in the country, along with Experian and TransUnion, and the oldest of the three CRAs. In accordance with the Fair Credit Reporting Act (FCRA), Equifax is bound to offer its consumers one free Equifax credit report every year.[br]

 

 

Equifaxis a US-based consumer credit reporting agency that maintains information on approximately 400 million consumers across the globe. Founded in 1899, Equifaxis among the three largest credit agencies in the country, along with Experian and TransUnion, and the oldest of the three CRAs. In accordance with the Fair Credit Reporting Act (FCRA), Equifax is bound to offer its consumers one free Equifax credit report every year.[br]

 

Free Equifax Credit Report: Why do I need it?

It is a good idea to check your credit report on a regular basis. This will help you detect

• Frauds and identity theft

• Mistakes made by a CRA in your credit report

 

If these mistakes and frauds are not detected on time, they may adversely affect your credit rating, which is derived from your credit report. This credit rating is considered by lenders, financial institutions, insurance companies, landlords and even employers to verify your credit worthiness.

 

Free Equifax Credit Report: How to get it

Consumers across the world have the right to receive one free Equifax credit report every year. They can obtain the report in the following ways:

• annualcreditreport.com: Consumers can request for their free copy of the credit report at this website. This website was created by the federal government to ease the process of obtaining credit reports. Your request on the site ensures that you receive an easy-to-understand free Equifax credit report online in a quick and safe manner.

• Equifax website: Consumers can, alternatively, request for their free copy by directly contacting Equifax via its website. To submit your request, you would need to answer a few personal questions. This step is aimed at confirming your identity and ensures that no one else can make a request and receive your free credit report.[br]

• Register for a free trial of the Triple AdvantageCredit Monitoring service: When you register for the service, you can view your credit report over the Internet for the next 30 days in the most secure environment.

• Dispute an item in the credit report: You can dispute any information contained in the report that seems incorrect to you. You must submit documents supporting your claim when you dispute an item. After an enquiry, if Equifax finds your claim to be correct, it will rectify or delete the item within 30 days. Equifax will also send you an updated credit report free of cost.