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Getting a Free Equifax Credit Report
Equifax, Transunion and Experian are the three major credit bureaus. What they have on file about you determines everything from what your mortgage or car loan interest rate will be. You can obtain a free credit report from Equifax once a year. However, your credit report is not the only thing potential creditors examine. Perhaps the most important thing they consider is your credit score.
Thus, to see the full picture creditors see when considering your credit, you need to examine your credit report and credit score. At Equifax, you can gain access to your report for free. However, if you want to see your credit score, there is a fee.
One way to avoid paying to see your Equifax (as well as Transunion and Experian) credit scores for free is to take advantage of a free credit monitoring trial. Currently, the company that offers free access to all of your credit reports and scores in Privacy Matters. Privacy Matters offers a 7 day free trial to their service. During the trial period, you have unlimited access to your Equifax credit report and score. If you cancel before the trial period ends, you are charged nothing to view this information.
To gain access to your free 3 in 1 credit report with credit scores, visit Privacy Matters.
Disputing Information on Your Equifax Credit Report
Once you have your Equifax credit report, you may find something that is inaccurate. If this is the case, you can reach them by phone at 1-888-766-0008. You can also reach them via snail mail at:
Equifax Information Services LLC
P.O. Box 740256
Atlanta, GA 30374
Should you need to dispute information on your Equifax credit report, you will need to present them with some or all of the following information.
- Your Equifax credit file number
- Your Social Security number
- Your Date of birth
- Your Current address as well as other recent addresses if you have moved in the past two years.
- Company name of the disputed item
- Account number of the disputed item
- Reason for your dispute, i.e. not your account, account paid off etc.
To get your free Equifax credit report and credit score, sign up for Privacy Matters today.
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