Get informed. Be empowered.

Free and Discounted Services

Your credit report is essential to financial
security in today´s economy.

Equifax offers free and discounted services to help you take
control of your financial life and public identity.

Get Your Credit Report

View the report you´re due each year or after a declined application.

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  • Request your Free Annual Credit Report Under the Fair and Accurate Credit Transactions Act (FACTA), Equifax and each of the other two major credit reporting agencies, Experian and TransUnion, will provide you with one free credit report every 12 months at your request.
    Get Started
  • Other Ways to Obtain a Free or Discounted Credit ReportIf you´ve received notice of a denial of credit, insurance or other benefit, or a change in your credit limit within the last 60 calendar days, or you´ve recently placed a fraud alert on your credit report, you may be entitled to receive a free or discounted copy of your credit report as allowed under the FCRA or state legislation.
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Initiate or Check Status of an Online Dispute

Create a dispute if your credit report contains a potential inaccuracy.

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  • Begin the online dispute process If you believe any item in your Equifax credit report is incomplete or inaccurate, you can identify the potentially inaccurate information and create an online dispute. We will start an investigation on your behalf.
    Get Started
  • Check the status of a disputeAfter your online dispute has been submitted, we will keep you informed by notifying you via email. At any time during this process, you can check the status of a previously submitted dispute here.
    Check Status

Set Up a Fraud or Active Duty Alert

Notify lenders and other creditors to take extra steps before establishing new accounts.

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  • If you have a good-faith suspicion that you´ve been or may be a victim of fraud or identity theft, you may request that an initial 90-day Fraud Alert be added to your credit report.

    A Fraud Alert lets lenders and other creditors know that you may be a victim of fraud. An Extended Fraud Alert offers the same protection over a longer period of time (up to 7 years) but requires additional documentation from legal or law enforcement authorities.

    An Active Duty Alert informs lenders and other creditors of your active military status.

    These alerts require creditors and lenders to take certain steps to verify your identity prior to establishing any new accounts in your name, issuing an additional card on an existing account or increasing the credit limit on an existing account.
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Place a Security Freeze

Freeze your credit report for protection against improper activity.

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  • If you suspect you may be the victim of identity theft, placing a freeze on your credit report may be one of the first steps you take to avoid further damage.

    The freeze can be removed at your request later when you need to provide lenders and other creditors access to your report.
    Get Started