When you create a myEquifax account, you get access to 6 Equifax credit reports each year. It's free!
Click here to see other ways to get your Equifax credit report, including annualcreditreport.com.
A security freeze can prevent access to your Equifax credit report, with certain exceptions, by making it unavailable for the purpose of opening new credit in your name.1 Placing, temporarily lifting, or removing a freeze is free.
A fraud alert informs credit card companies and others that you are or may have been a victim of fraud, including identity theft. An active duty alert informs credit card companies and others that you are on active military duty. Placing a fraud alert or active duty alert is free.
Submit a dispute if you see information on your Equifax credit report that you believe is inaccurate or incomplete, and we'll investigate.
Under the Fair Credit reporting Act (FCRA), Equifax is permitted to include your name on lists used by creditors or insurers to make firm offers of credit or insurance that are not initiated by you. If you prefer not to receive such offers, visit www.optoutprescreen.com, or call toll free at 1-888-5-OPT OUT (888-567-8688).
You may be able to receive additional copies of your credit reports 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.
Enacted in 2018, the California Consumer Privacy Act creates new consumer rights regarding access to, deletion of, and selling of personal information to 3rd parties.
Placing a security freeze on your Equifax credit report will prevent access to it by certain third parties. Freezing your Equifax credit report will not prevent access to your credit report at any other credit reporting agency. Entities that may still have access to your Equifax credit report include: companies like Equifax Global Consumer Solutions, which provide you with access to your credit report or credit score, or monitor your credit report as part of a subscription or similar service; companies that provide you with a copy of your credit report or credit score, upon your request; federal, state and local government agencies and courts in certain circumstances; companies using the information in connection with the underwriting of insurance, or for employment, tenant or background screening purposes; companies that have a current account or relationship with you, and collection agencies acting on behalf of those whom you owe; companies that authenticate a consumer's identity for purposes other than granting credit, or for investigating or preventing actual or potential fraud; and companies that wish to make pre-approved offers of credit or insurance to you. To opt out of such pre-approved offers, visit www.optoutprescreen.com.