Equifax Free Credit Report
Getting your Equifax free credit report is not a difficult thing to do. You can either go online or contact the company in writing.
Have you ever applied for a car loan but the principal said you have been refused. The company ran a report on your credit and decided you were a bad risk. You have always paid your bills on time so you can't quite understand it. You've just become the latest innocent victim of identity theft.
It is now the law that you can see your credit information for free, once each year. This selective information is easy to obtain, if you understand how. If you can get on the Web you can get the info in a matter of minutes. Why wait for the your files to be sent by post when you can obtain the same records almost instantly.
To get your Equifax free credit report you can go directly to their website. At the time of writing, you will notice that the company is heavily advertising a credit monitoring service. This involves a monthly fee. But you are entitled to a free annual report free of charge.
Remember that your credit details may vary between the 3 credit references agenies, so you are advised to get a report from each of them. The major credit reference agencies you should contact are Experian, Equifax and TransUnion.
Some people have said that they are uncomfortable about using a the Internet to access their credit report. The Internet credit reporting services are protected by robust fraud prevention measures. These electronic security measures will ensure that your information is safe from even best hackers.
You can contact the credit reporting agencies by post if you don't wish to use the Internet. You can use this method to get your Equifax credit report and reports from the other 2 agencies. Do this each year, free of charge. Once you have submitted your request, allow up to six weeks to get your report in the mail.