Knowledge Center

What is myEquifax™?

Reading time: 5 minutes

Highlights:

  • With a free myEquifax account, you can receive free Equifax credit reports, place a security freeze, fraud alert or submit a dispute.
  • A myEquifax account is FREE, and for anyone to easily view and monitor their Equifax credit report and needs credit report assistance.
  • Learn more about what lenders see when you check your Equifax credit report.

A free myEquifax account is your one-stop shop to help you with Equifax free services such as credit freezes, fraud alerts, and disputes. You can request a freeze on your Equifax credit report or unfreeze it if it's been frozen. You'll also be able to place a fraud alert if you feel you've been a victim of identity theft, and submit a credit report dispute on your Equifax credit report, if you find the information you believe is inaccurate or the result of fraud - all for free.

How much does a myEquifax™ account cost?

It's free to create a myEquifax account to place or manage a security freeze, place an initial fraud alert or submit a dispute.

Will checking my free Equifax credit report in myEquifax™ count as a hard inquiry on my credit reports and affect credit scores? Checking your own credit report will not result in a hard inquiry on your credit report or impact your credit scores. It will, however, count as a soft inquiry. Soft inquiries result when you check your own credit report, when a lender or creditor you have an account with accesses your credit report as part of their account review process, or when a promotional credit card offer is generated. Soft inquiries do not impact credit scores.

Why should I check my credit reports and scores? Your credit reports include information about your financial accounts and credit history. Lenders may use this information before deciding to extend a new line of credit to you, such as for a credit card, mortgage, or loan. Depending on your credit history and credit scores, the lenders may accept or deny your applications for credit based on the existing information in your credit reports, in addition to their own respective lending criteria. Check your free Equifax credit report by creating a myEquifax™ account, and learn more about what lenders see when they check your credit history.

If you notice inaccurate information on your credit report, it could mean that you've become a victim of identity theft. Knowing what information is in your credit report helps you make sure the information is accurate and complete. The sooner you realize someone has been using your personal information, the quicker you can submit a free credit dispute on your Equifax credit report through your myEquifax account.

Who benefits from myEquifax™?

It's for anyone who is interested in watching over their Equifax credit report and accessing free consumer services. Learning more about where you stand with your credit reports is important because the more you know about your credit history before making a large purchase (such as a house or car), the better prepared you'll be for financial decisions and any additional debt down the road.

What else is available within myEquifax?

You'll have the opportunity to sign up for other products and services from within your myEquifax account. You can sign up for Equifax Core Credit™, which is free and includes a monthly credit score and Equifax credit report. The credit score is a VantageScore 3.0 based on Equifax data. A VantageScore is one of many types of credit scores.

You can also sign up for paid products, like Equifax Complete™ Premier. Equifax Complete™ Premier includes an annual 3-Bureau Credit Report and 3-Bureau credit report monitoring, among other features. Watching your credit reports for unexpected changes is one of the best ways to spot early signs of identity theft or fraud, but sometimes that's not enough. Equifax Complete™ Premier and other credit monitoring products monitor your credit reports and alert you when key changes occur.

When you sign up for one of these or other products, you'll also get access to personalized offers, such as loan options that may help you pay off credit card debt or help save you money. Not all of the offers are available in all states.

How do I sign up for myEquifax™? What information do I need?

You can easily sign up for a myEquifax™ account, and you'll need to provide your first and last name, date of birth, Social Security number, mobile number, and current address. It's that simple!

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