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Your Credit. Your Identity.

When it comes to learning about credit and identity theft, there are two things to know: You can never have too much information, and there’s no wrong place to start. So let’s get started.

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Credit Reports

Who is Allowed to Access Your Equifax Credit Report?

Companies and others who have “permissible purpose” can access your credit information in order to make certain types of decisions. What’s “permissible purpose?”

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Let's Talk About Credit

It happens to a lot of us: The subject of credit comes up, and we may not have all of the answers. Knowledge is key, especially when it comes to regularly checking your credit reports and being aware of the three major credit bureaus.

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What is a Credit Report and What Does it Include?

Learn more about your credit report, why it's important and the information typically included in it.

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How Do I Get my Free Credit Report?

There are two ways to get a free credit report. One of the ways you can get a copy of your free credit report is through Annual Credit Report, www.annualcreditreport.com.

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Credit Scores

How Do my Actions Impact my Credit Score?

Regardless of the financial milestones you’re reaching, when it comes to financial progress and credit, it’s important to understand the factors that may impact your credit score.

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How Do I Check my Credit Score?

There are a few ways that you can check important information when it comes to your credit score

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Why Should I Check my Credit History and Credit Score?

Your credit history and credit score are vital pieces of information that are important to your overall financial wellbeing.

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How Are Credit Scores Calculated?

The main factors involved in calculating a credit score are:

  • The number of accounts you have
  • The types of accounts

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Identity Theft

Fraud Alert, Security Freeze, and Credit Report Lock

Each can help you better protect your personal information, but they are not the same. Here's a closer look at how they function.

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How Does Identity Theft Happen?

Identity thieves have gotten more sophisticated in their methods. The following includes some of the ways identity theft may happen.

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Are My Children at Risk From Identity Theft?

Even children are vulnerable to identity theft. They are often targeted by identity thieves - the majority of whom are family members or close family friends.

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Are You At Risk for Identity Theft?

Even the most careful consumers can fall victim to identity theft. To enhance your identity theft protection strategy further, regularly monitor your credit report for identity theft red flags.

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Coming Soon

Lock & AlertTM Launching
January 31, 2018

Learn about the Lock & Alert service and help control who has access to your Equifax credit report for free, for life.1

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Lock-Alert-Disclaimer

  1. Locking your Equifax credit file will prevent access to your Equifax credit file by certain third parties. Locking your Equifax credit file will not prevent access to your credit file at any other credit reporting agency. Entities that may still have access to your Equifax credit file include companies like Equifax Global Consumer Solutions which provide you with access to your credit report or credit score or monitor your credit file report; federal, state and local government agencies; companies reviewing your application for employment; companies that have a current account or relationship with you, and collection agencies acting on behalf of those whom you owe; for fraud detection and prevention purposes; 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.