Free Credit Report & Free FICO Credit Score from Equifax

Included with Equifax Credit Watch™ Gold with 3-in-1 Monitoring: Comprehensive credit monitoring and ALERTS within 24 hours of key changes Equifax, Experian and TransUnion credit files.

Unlimited Equifax Credit Reports™
FREE 3-Bureau Credit Report
FREE FICO^® Score — The Score Lenders Use Most
FREE Score Power Report — An explanation of what your score means and how it compares to national averages. Plus, an interactive score simulator that predicts your FICO^® score based on certain actions you could take

Daily alerts of key file changes

Unlimited credit reports

Up to $20,000 Identity Fraud Coverage^† at no additional costs to you

Just $9.95 per month

Scans the Internet for your sensitive personal information**

Monitors your 3 nationwide credit files

Provides ID Theft Resolution Specialist 24/7

Just $14.95 per month

FICO^® credit score monitoring plus credit monitoring

Alerts of score changes that affect the interest rate you're likely to receive

Just $9.95 per month

* To receive your 30-Day free trial, you will be required to provide a credit card when you sign up. If you don't cancel by the end of the 30-Day free trial period, we will automatically renew your subscription and charge your credit card $14.95 for each month that you continue your subscription. You can cancel your subscription at any time. Cancellation will be effective as of the end of then-current monthly period.

^† Certain limitations and exclusions apply. Identity Fraud Expense Reimbursement Master Policy underwritten by Travelers Casualty and Surety Company of America and its property casualty affiliates, Hartford, CT 06183. Coverage for all claims or losses depends on actual policy provisions. Availability of coverage can depend on our underwriting qualifications and state regulations.

** WebDetect scans thousands of Internet sites where consumers' personal information is suspected of being bought and sold, and is constantly adding new sites to those it searches. However, the Internet addresses of these suspected Internet trading sites are not published and frequently change, so there is no guarantee that WebDetect is able to locate and search every possible Internet site where consumers' personal information is at risk of being traded.

FICO^® is a registered trademark of Fair Isaac Corporation.

What is a Credit Report?

Equifax is one of the leading credit reporting agencies in the United States — the other two major credit bureaus are Experian and TransUnion. Each credit agency maintains information about your credit history.

Lenders, employers, landlords, and other service providers buy your credit information in the form of a credit report to help them decide whether to approve your application for a loan, credit card, job, or housing, or to offer you a product or service at a particular rate.

While all consumers are eligible for one annual free credit report, it's important that you review your credit information regularly to check its accuracy as credit files change constantly. Equifax credit monitoring products can help monitor and protect your credit by alerting you of any changes to your credit report.

What Information is Included in Your Credit Report?

Personal information. Compiled from credit applications you've filled out, this information normally includes your name, current and recent addresses, Social Security Number, date of birth, and current and previous employers.

Credit history. The bulk of your credit report consists of details about credit accounts that were opened in your name or that list you as an authorized user (such as a spouse's credit card). Account details, which are supplied by creditors with which you have an account, include the date the account was opened, the credit limit or amount of the loan, the payment terms, the balance, and a history that shows whether or not you've paid the account on time. Closed or inactive accounts, depending on the manner in which they were paid, stay on your report for 7 to 11 years from the date of their last activity.

Credit Report Inquiries. Credit reporting agencies record an inquiry whenever your credit report is shown to another party, such as a lender, service provider, landlord, or insurer. Inquiries remain on your credit report for up to two years.

Public records. Matters of public record obtained from government sources such as courts of law — including liens, bankruptcies, and overdue child support — may appear on your credit report. Most public record information stays on your credit report for 7 years.

What is Not Included in Your Credit Report?

A credit report does not include information about your checking or savings accounts, bankruptcies that are more than 10 years old, charged-off or debts placed for collection that are more than seven years old, gender, ethnicity, religion, political affiliation, medical history, or criminal records. Also, your credit score is generated by information on your credit report, but is not part of the report itself.

What is a Credit Score?

A credit score is a rating used by a lender to help determine whether or not you qualify for a particular credit card, loan, or service. The credit reporting agencies apply an in-depth mathematical model (called an "algorithm") to the information in your credit file to yield your credit score. Most credit scores estimate the risk a company incurs by lending you money or providing you with a service — specifically, the likelihood that you'll fail to make payments in the next two to three years. The higher the score, the less risk you represent to the lender. Put simply, the higher your credit score, the better.

While consumers can receive a credit report once a year through www.annualcreditreport.com, a free credit score is not included. The free credit report only tells half of your credit story … knowing your credit score can help to monitor the overall health of your credit.

Top 7 Factors that Affect Your Credit Score

Many different mathematical formulas are used to calculate credit scores and each credit reporting agency provides different credit scoring models. For example, Equifax is the exclusive provider of the FICO Score, which is used by most lenders. While most credit scoring models are based on the following factors, each scoring model weights factors differently:

Payment history. This, along with public records, generally accounts for approximately 35% of your credit score. A record of late payments on your current and past credit accounts will typically lower your score. Being consistent about paying on time can, over time, have a positive impact on your credit score.
Public records. Matters of public record such as bankruptcies, judgments, and collection items may lower your credit score. Be aware of these, even if you can't always avoid them.
Length of credit history. In general, a longer credit history is better and can sometimes have a positive impact on your score. Credit history typically accounts for around 15% of your credit score.
New accounts. Opening multiple new accounts in a short period of time may negatively impact your score.
Inquiries. Whenever someone else gets your credit report — a lender, landlord, or insurer, for example — an inquiry is recorded on your credit report. A large number of recent inquiries may negatively impact your score. Your new credit accounts and inquiries generally make up about 10% of your score.
Accounts in use. The presence of too many open accounts can have a negative impact on your score, whether you're using the accounts or not. This activity usually makes up approximately 10% of your score.

FICO Score Information

FICO stands for Fair Isaac Company, an organization that established an equation to represent your creditworthiness in a three-digit number. Your FICO® Score — the credit score that lenders use most — helps determine the interest rate and terms you're likely to receive on loans.