Being able to obtain an Equifax free credit report was not always an easy thing to do. In fact, up until last year, only Western states were able to solicit an Equifax free credit report. But now all Americans have the opportunity to view their credit reports; and this has dramatically increased Equifax's workload.
The ruling to allow everyone the option of getting an Equifax free credit report every year was a big step to make. However, it seems to be working well and everyone is getting the chance to view his or her credit report free of charge.
Equifax, however, only has to give you one free credit report a year; and if you would like to receive another credit report, then you have to pay more money. It will usually cost about $3-$9, depending on where you live.
The only exception to this rule is for those who have been denied either credit or a job or are on welfare or unemployed; in this case, you will be given another Equifax free credit report. But one option that really shows that these people care is that if your Equifax free credit report was inaccurate due to fraud, then they will send you another credit report free.
The Equifax free credit report is the best way to keep a yearly check on your credit score. You will be able to see what has happened in the year that has made it go down, or what has made it go up. It may seem weird to know that your every move is being taken down and written onto a piece of paper that you will read once a year.
But that is what's happening, and even though it may seem strange, there is nothing we can do to change it. But at least we will know why we keep getting rejected for credit cards.
Talbert Williams !DebtFreedom.com All rights reserved.
How To Obtain Free Credit Report
Once every 12 months you can request a free copy of your credit report. Your credit report includes information on where you live, how you pay your bills, whether you've been sued, arrested, or whether you have filed for bankruptcy.
The 3 major credit bureaus sell the information in your report to your creditors, your insurers, employers, and other businesses. Those businesses use your report to assess and evaluate your applications for credit, insurance, employment, or even renting a home...
You are also entitled to one Experian, TransUnion or Equifax Free Credit Report during any 12-month period no matter where you live, if:
You are unemployed and intend to apply for a job in the next 60 days.
You are on public welfare assistance.
You believe your credit report contains inaccurate information due to fraud.
You have received notice of an adverse decision within the past 60 days:
You were denied credit
You were denied insurance coverage
You were denied employment
Otherwise, each of these 3 major credit bureaus may charge you up to $9.50 for another copy of your report within a 12-month period.
You can request a copy of your Equifax free credit report here:
Equifax Information Services LLC
P.O. Box 740241 Atlanta, GA 30374
or call 800-685-1111
Another alternative is to print out the Annual Credit Report Request Form at the FTC (Federal Trade Commission) site and when filling out the form, be sure to mark only the Equifax free credit report. (Save the free report requests from TransUnion Credit Bureau and Experian Credit Bureau for another time.)
The FTC (Federal Trade Commission) recommends that you obtain an application for the free annual credit reports through:
annualcreditreport.com or
Call: 1-877-322-8228 or
Mail the request to:
Annual Credit Report Request Service,
P.O. Box 105281,
Atlanta, GA 30348-5281.
For more information on your rights and application to access to your Equifax free credit report, visit the FTC site at ftc.gov.
Your Equifax free credit report is a snapshot of your borrowing and bill paying behavior over the last 24 months. The report will provide you with a credit score. With careful planning and as time goes by you have the power to change it for the better.
Both Talbert Williams & Helen March And Karen Ciancio are contributors for EditorialToday. The above articles have been edited for relevancy and timeliness. All write-ups, reviews, tips and guides published by EditorialToday.com and its partners or affiliates are for informational purposes only. They should not be used for any legal or any other type of advice. We do not endorse any author, contributor, writer or article posted by our team.
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