How Do You Get Your Free Equifax Credit Report?
Author: Hector
How Do You Get Your Free Equifax Credit Report?
Equifax, Experian, and TransUnion are the three major credit bureaus and are required by law (Fair Credit Reporting Act – FCRA) to provide you with free annual credit report at your request.
Atlanta cityscape
Once every 12 months you can request a free copy of your credit report. Your credit report includes information about where you live, how you pay your bills, whether you’ve been sued, arrested, or whether you have filed bankruptcy.
The three major credit bureaus sell the information in your report to your creditors, your insurers, employers, and other businesses. They use the report to assess your business and evaluate your applications for credit, insurance, employment, or even rent a house …
You are also entitled to one Free Credit Report Experian, Equifax, TransUnion or during the 12-month period no matter where you live, if:
You are unemployed and intend to apply for a job in 60 days.
You are on welfare assistance.
You believe your credit report contains inaccurate information due to fraud.
You have received a notice from a bad decision in 60 days:
You are denied credit
You are denied insurance
You are denied employment
If not, each of the 3 major credit bureaus may charge you up to $ 9.50 for one copy of your report within a period of 12 months.
You can request a copy of your credit report Equifax free here:
Equifax Information Services LLC
P.O. Box 740241 Atlanta, GA 30374
or call 800-685-1111
Another alternative is to print a Credit Application Form Annual Report on the FTC (Federal Trade Commission) website and when filling out forms, make sure to mark only the Equifax free credit report. (Save request a free report from TransUnion Credit Bureau and Experian Credit Bureau for another time.)
The FTC (Federal Trade Commission) recommends that you get an application for an annual free credit report via:
annualcreditreport.com or
Call: 1-877-322-8228 or
Letter of request to:
Annual Credit Report Request Service,
P.O. Box 105 281,
Atlanta, GA 30348-5281.
For more information about the rights and applications for access to your free Equifax credit report, visit the FTC website at ftc.gov.
You are free Equifax credit report is a snapshot of your borrowing and bill paying behavior over the last 24 months. This report will provide you with a credit score. With careful planning and over time you have the power to change it for the better.