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.
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.
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.
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.
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.