Every single American is entitled to a free copy of their credit report. This is a new option as in the past people have had to pay for their credit report. This free credit report occurrence is due to the FTC's ruling under the Fair and Accurate Credit Transmissions Act. Equifax is one of the "big three" credit bureaus and by contacting them you can receive an Equifax free credit report.
Why do I need a credit report?
Different credit bureaus compile credit information from different sources then relay that information to their customers. Retailers, employers, credit card companies and issuers, insurance companies, and banking institutions use these credit bureaus to get information on your history of credit. You should stay on top of your credit because in many cases the information can be incorrect. This can lead to things such as a loss of a job, denial of o loan, and receiving insurance. Your credit report is something you should stay on top of because sometimes these errors can happen and they can cause major headaches. For these reasons it is beneficial for you to get an Equifax free credit report.
Equifax has a toll free number for information which is 1-800-685-1111. You can also write to Equifax for a free credit report as well as contact them if you have been denied credit or other benefits. If this is the case respond within 60 days of the denial. For both occasions you can receive a free Equifax credit report by writing to them at this address:
Office of Consumer Affairs
PO Box 105873
Atlanta, GA 30348
Equifax also allows you to fax your request to them to obtain a free credit report. Their fax number is 404-612-3150. If you want a credit report for reasons such as problems pertaining to an employment opportunity, insurance problems, or utility problems, you can call Equifax at 404-612-3321. Unless you live in the Atlanta, Georgia area these calls are long distance and not free of charge.
Equifax makes it easy to keep on top of your credit by giving you the opportunity for receiving a free credit report. Keeping on top of your credit can save you time and money in the future.