Knowledge Center

How Do I Get My Free Credit Report?

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Article Highlights

  • You can receive Equifax credit reports with a free myEquifax account.
  • You can access free credit reports from each of the nationwide credit bureaus at annualcreditreport.com.
  • You can request these free annual credit reports online, by phone, or by mail.
  • In addition to receiving a free credit report, you can now also receive your credit report in Spanish from Equifax.com or by calling Equifax Customer Care.

If you want to check your credit reports there are several ways that we'll discuss below.

myEquifax

We offer your Equifax credit report when you create a myEquifax account. Just look for “Equifax Credit Report” on your myEquifax dashboard.

AnnualCreditReport.com

You may already know that you're entitled to a free credit report from each of the three nationwide credit bureaus.

By visiting annualcreditreport.com, you can request credit reports from the three nationwide credit bureaus — Equifax®, Experian® and TransUnion® by visiting annualcreditreport.com or by contacting the Annual Credit Report Service via phone or mail:

  • By calling: (877) 322-8228;
  • By mailing: Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281.

These reports do not include credit scores. For more information on how to request your credit report by mail visit annualcreditreport.com.

Please note until the end of the year, you are currently eligible to receive free weekly credit reports online.

Free Equifax Credit Report In Spanish

Additionally you can receive your Equifax credit report in Spanish. Equifax is the first and only credit bureau to offer a free, translated credit report in Spanish online and by mail.

There are two ways to request your Spanish credit report, online or by phone.

You can visit: www.equifax.com/micredito or call Equifax customer service 888-EQUIFAX (1-888-378-4329) and press option 8 to begin requesting your free credit report in Spanish.

Find out more information on how you can get your credit report in Spanish.

More than one annual credit report

You could be eligible for an additional credit report under the Fair Credit Reporting Act during any 12-month period if you meet one of the following requirements:

  • You are unemployed and intend to apply for employment within 60 days;
  • You receive public welfare assistance;
  • You believe your credit report contains inaccurate information due to fraud.

You are also entitled to a free copy of your credit report if you meet these requirements:

  • You have been the subject of adverse action, such as denial of credit or insurance, within the past 60 days.
  • You have placed a fraud alert on your credit reports.

If any of these situations apply to you, you can request your additional free copy of your Equifax credit report:

  • Online at Equifax.com/FCRA
  • On our automated phone line: (800) 685-1111. Hours are 7:30 a.m. — 1:30 a.m. ET.
  • By mail to: Equifax Disclosure Department, P.O. Box 740241, Atlanta, GA 30374.

If you're sending your request by mail, please be sure to include your name, Social Security number, current and previous addresses, and date of birth. For your protection, you will also need to verify your identity through an acceptable form of identification. Find out more about acceptable forms of identification.

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