It is possible to get a free credit report from Equifax, as well as the other two major credit bureaus, Experian and TransUnion. Equifax is a consumer credit reporting agency; its main purpose is to track and monitor the credit of American consumers. You can purchase detailed personal credit information, as well as your own personal credit score. Businesses can also access services to monitor the credit of their employees or other businesses.
How to Get a Free Credit Report
To get a free credit report from Equifax, visit its website at Equifax.com. Under the Personal Solutions tab, select Credit Report Assistance and then click on the Get My Free Annual Credit Report link. This link takes you directly to FreeCreditReport.com, a website designed by all three of the major credit agencies to provide consumers with a free annual copy of their credit report. This website only allows consumers to access one free credit report per credit bureau per year.
To continue, click the button to request your free credit report. The following screen shows that it requires a three-step process to receive your report.
• Step 1 requires you to enter all of your personal information, such as your name and address. It also requires your date of birth and your Social Security number. For security purposes, it also has a CAPTCHA security check.
• Step 2 allows you to pick one of the three reports from the major credit reporting agencies. In this case, select Equifax.
• Step 3 reveals your personal Equifax credit report for review.
Check your credit report on an annual basis and at any time when you have concerns about suspicious activity relating to your credit. If you get one free report from each bureau every 12 months, you could potentially check your credit every four months, if necessary.