How Do I Get A Credit Report From Equifax?
How to Obtain Credit Copies from Equifax
Your credit report includes information about your credit history, including information about payments made on any loans or credit cards. They are used also to determine your credit score which helps the lender to determine whether or not to offer you credit or not when you apply for a loan or credit card. It is recommended that you should occasionally go through your credit report to make certain that all the information provided in it is correct.
Equifax is one of the largest of the three national credit reporting agencies that maintain consumer credit information. The other two companies are Experian and TransUnion. You are entitled to one free credit report from each of the three major credit reporting agencies — Equifax, Experian, and TransUnion — each year You can get your free Equifax credit report at annualcreditreport.com This site is the only one authorized to provide your free annual credit reports as mandated by federal law.
Here is a step-by-step guide to accessing your free Equifax credit report:
Type in www.annualcreditreport.com This is a government-endorsed website that allows consumers to obtain free credit reports every month according to federal law.
Enter your personal information. To make the process more secure, you will be required to supply your name, residential address, social security number, and date of birth to help the site verify your identity. Be sure that all the data entered corresponds to those provided on the current ID released by the government.
Select Equifax as the credit reporting agency to be approached. On the request page, choices to order credit reports from one bureau, two bureaus, or all three bureaus are available. If you are interested in getting your credit report from only Equifax, then select it.
Choose if you would like the report to be mailed to you, or if it can be accessed via the web. You may also choose to receive the credit report via mail or access it instantly online. Ordering it online takes a shorter duration compared to requesting to have it delivered by mail to obtain a hard copy.
Answer identity verification questions. Equifax will create several questions in the form of multiple choices and they will have to answer them to verify your identity from your credit report information. Questions that are usually asked during the verification process include; Previous address, loan, credit cards, etc Respond to all the questions correctly to gain verification.
Finally, note that you can either print or save the credit report. After it has been generated, you should make a printout or a saved copy of the Equifax report for the records. Revisit the report and check whether the information provided in it is accurate or not. Ensure it has the basic characteristics of loans, credit cards, and other financial accounts, as you would have in your accounts.
It is possible to order your Equifax credit report online if you meet the following requirements and have the necessary information. Also do not forget that you are allowed to request your reports from all three credit reporting agencies namely Experian, Equifax, and TransUnion once in one year to review your overall credit history file. It is important to review credit reports from time to time to ensure the credit score is good and to identify anything funky going on.
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