You can get free credit report from Equifax. This is now an easier way for you to get your credit report without all the hassle that comes with visiting your credit company. At your request, the FACT (fair and accurate transaction act) companies like Experian, Equifax and Trans Union have a requirement to provide to you a complete report of your credit in every 12 months.

Free Credit Report From Equifax

Free Credit Report From Equifax – How to Do It

Sending your request is very easy. You just need to visit the company’s website or call them through their customer service number where you will be directed on what to do next. You can also fill the annual report request and then mail it to their address. You should remember that the report for the credit card will not come inclusive of the credit scores. To get the credit scores, you have to send a different purchase or purchase them together with the report.

Different things are included in the free credit report from Equifax. Your personal details are included. This includes your name, current address, your social security number, your birth day and current and previous employers. Your credit history is also included. The credit history includes stuff like date your account was opened, your credit limit, the amount of loan you have if any, the payment terms of the loan and the balance still due. The account credits that were opened under your name are also written in your credit history. Depending on the form of pay, they may include closed or inactive accounts for a matter of years.

Free Credit Report From Equifax -What to Expect

Inquiries are also shown in the report. They entail if your credit information was shared with anyone else such as a lender, your landlord, a service provider or your insurer. The inquirers remain in all your report for a length of two years. Public information is also include like if you have ever been bankrupt, overdue child support and other information that might be needed as sources in a place like the court of law. They say in your record for seven years.

Your savings and checking account is not included in your report. Other things like bankruptcy that is over 10 years old, your ethnicity, gender, political affiliation, and criminal records are not include in your credit report. The credit score is generated from the information which is in the credit report but it is not included.

Negative information stays in your report for only 7 years and 10 years for bankruptcy. This negative information does not come from the Equifax but from other sources. Equifax main duty is to repository the information that is has gotten from the public records and other creditors.

Free Credit Report From Equifax – A Summary

If you have business relationship with the Equifax you have a right to get a copy of your credit report. Also those who have permissible purpose can apply to get the report. This includes companies, groups, even individuals who are employed, insurance or have applied for a loan or are on an offer of credit. This may include lenders, landlords, insurance, agencies and companies. They have the permission to get a free credit report from Equifax every 12 months.

Free Credit Report from Equifax

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