Your Equifax credit report is one of the three most important credit reports you have. Because you never know which credit report a creditor or lender is going to check, it's important that you manage all of them.
Order Your Equifax Credit Report
There are a few ways you can order your Equifax credit report.
- Get a free Equifax credit report from www.annualcreditreport.com. Federal law grants you one free copy of your Equifax credit report each year. You can also order your annual Equifax credit report by calling 1-877-322-8228 or by mailing a request form (Adobe viewer is required to open the request form).
- You can purchase your Equifax credit report and credit score directly from the Equifax website for $15.95 Through their website, Equifax also allows you to order your free credit report for the reasons granted by the Fair Credit Reporting Act (visit Equifax.com/FCRA. That includes being denied for services, receiving public welfare assistance, or searching for a job.
- If you order a 3-in-1 credit report from any of several online vendors, you'll receive your Equifax credit report as well as your report from Experian and TransUnion.
Dispute Equifax Credit Report Errors
After reviewing your Equifax credit report, you might find errors. Under the The Fair Credit Reporting Act, you the right to dispute these errors and have them removed from your creidt report.
When you order your credit report, Equifax should include instructions for disputing errors. For example, when you access your credit report online, you'll be given a link that you can use to submit your dispute.
You can also dispute credit report errors by mail. Simply write a credit report dispute letter, highlight the errors on your credit report, and send any supporting documents you have to Equifax's credit report dispute address:
Equifax Informations Services LLC
P.O. Box 740256
Atlanta, GA 30374-0256
Fight Identity Theft On Equifax Credit Reports
If you've been a victim of identity theft, it's important to let Equifax know so you can have your credit reports flagged to prevent further theft. A fraud alert lets anyone who pulls your Equifax credit report know they should take extra steps to confirm your identity. Fraud alerts generally last 90 days or one year for active duty military who are sent overseas.
You can place a fraud alert on your Equifax credit report online, over the phone by calling 1-800-525-6285, or by mail by writing to P.O. Box 740241, Atlanta, GA 30374-024
An Equifax credit report security freeze will lock your credit reports preventing inquiries until you unlock it with a PIN or password. Visit Equifax's credit freeze page to get detailed instructions for freezing your credit report.
Checking Your Equifax Credit Score
Your FICO score is the credit score most widely-used by lenders. You can purchase your FICO score based on Equifax credit data from myFICO.com. You can also order your generic Equifax credit credit score from Equifax, the other credit bureaus, and VantageScore.com. Learn how to order your Experian credit score.
