How Do I Get My Free Credit Report?

Highlights:

• You can receive Equifax^® credit reports with a free myEquifax™ account.
• You can access free credit reports from each of the nationwide credit reporting agencies at annualcreditreport.com.
• You can request these free annual credit reports online, by phone or by mail.
• In addition to receiving a free Equifax credit report, you can also receive your US credit report in Spanish from equifax.com or by calling 1-888-Equifax (1-888-378-4329).

How to Access Your Free Equifax US Credit Report

myEquifax

We offer your Equifax credit report when you create a myEquifax account. Just look for “Equifax Credit Report” on your myEquifax dashboard.

Equifax credit report in Braille, large print or audio CD

You can also receive your Equifax credit report in Braille, large print and audio CD. You can request your Equifax credit report in Braille, large print or audio CD by calling us at: 1-888-EQUIFAX (1-888-378-4329), or you can submit a written request:

Equifax Information Services LLC

P.O. Box 740241

Atlanta, Georgia 30348-0241

AnnualCreditReport.com

By visiting annualcreditreport.com, you can request credit reports from the three nationwide credit reporting agencies (NCRA) —Equifax, Experian^®, and TransUnion^®. There are three ways to request your credit reports from annualcreditreport.com:

• Fill out a form online.
• By calling: (877) 322-8228.
• By mailing: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.

Don't forget, credit reports play an important role in your financial life and it's a good idea to regularly check your credit history.

Free Equifax US Credit Report In Spanish

Also, you can receive your Equifax US credit report in Spanish. Equifax was the first NCRA to offer a free, translated US credit report in Spanish.

There are two ways to request your Spanish US credit report—online or by phone.

You can visit: www.equifax.com/micredito or call Equifax customer service 888-EQUIFAX (1-888-378-4329) and press option 8 to begin requesting your free Equifax US credit report in Spanish.

Additional Free Credit Reports

You may be able to receive additional copies of your Equifax credit report in certain circumstances, such as after placing a fraud alert, becoming unemployed, receiving public assistance, or being denied credit or insurance in the past 60 days.

You may qualify for an additional free credit report if you meet one of the following requirements:

• You are unemployed and intend to apply for employment within 60 days.
• You receive public welfare assistance.
• You believe your credit report contains inaccurate information due to fraud.
• You have been denied credit or insurance in the past 60 days.
• You have placed a fraud alert on your credit reports.
• Your state offers a free or reduced-price credit report.

If any of these situations apply to you, you can request your additional free copy of your Equifax credit report:

• Online at Equifax.com/FCRA.
• On our automated phone line: (800) 685-1111. Hours are 7:30 am—1:30 am ET.
• By mail to: Equifax Disclosure Department, P.O. Box 740241, Atlanta, GA 30374.

If you're sending your request by mail, please be sure to include your name, Social Security number, current and previous addresses, and date of birth. For your protection, you will also need to verify your identity through an acceptable form of identification. Find out more about acceptable forms of identification.

Most credit reports do not include credit scores. You can get a free monthly Equifax credit report and a free monthly VantageScore^® 3.0 credit score by enrolling in Equifax Core Credit™. This credit score is a VantageScore 3.0 based on Equifax data. A VantageScore is one of many types of credit scores.

Your credit reports have vital pieces of information that are important to your overall financial wellbeing, so it's important to check them regularly.