FREE Equifax Credit Report for Furloughed Employees

If you've been impacted by the federal government partial shutdown, click "Get Started" to receive a copy of your free Equifax credit report.

  • Review your Equifax credit report and ensure that your accounts are up to date and that information being reported is accurate and complete
  • Questions? Contact our knowledgeable customer service representatives seven days a week
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Frequently asked questions

Remember that your credit score is not impacted by your employment status.  However, not satisfying your financial commitments may impact your credit score.  As such, if you have been impacted by the partial shutdown, it’s important to contact the companies with whom you have financial commitments so that you can make them aware of your situation.  This includes not only banks, credit unions and financial institutions, but also your landlord, utility and telecommunications providers.

Some financial institutions have suspended late payments, adjusted fees, increased credit lines, offered repayment plans, provided loan modifications, or forbearance programs.  Some utility companies have also offered to help consumers who have been impacted.

Forbearance is an important tool for consumers to discuss with their lenders as it is a period of time during repayment in which a borrower is permitted to temporarily postpone making regular monthly payments.  The debt is not forgiven, but regular payments are suspended until a later time.  A forbearance agreement is most commonly applied to mortgages and student loans.  However, forbearance is applicable to any type of loan. The consumer may be making reduced payments, interest-only payments or no payments. 

We are encouraging consumers impacted by the partial government shutdown to proactively communicate with their lenders and creditors about their situations. As they do this, many lenders and creditors may be making special concessions, exceptions, or adjusting the terms of a financial agreement. It is important that as those conversations are taking place, consumers review their credit reports to ensure all of the information is accurate and complete. This includes information such as account information and payment histories.

In our role as a consumer reporting agency, we work to ensure your consumer report accurately reflects the agreements reached between you and your lenders, creditors, and others with whom you have a financial obligation.  So we cannot remove data your lender may have reported during this time.

Therefore, it is important to contact the companies with whom you have financial commitments so that you can make them aware of your situation. This includes not only banks, credit unions and financial institutions, but also your landlord, utility and telecommunications providers.

Some financial institutions have suspended late payments, adjusted fees, increased credit lines, offered repayment plans, provided loan modifications, or forbearance programs. Some utility companies have also offered to help consumers who have been impacted.

Forbearance is an important tool for consumers to discuss with their lenders as it is a period of time during repayment in which a borrower is permitted to temporarily postpone making regular monthly payments. The debt is not forgiven, but regular payments are suspended until a later time. A forbearance agreement is most commonly applied to mortgages and student loans. However, forbearance is applicable to any type of loan. The consumer may be making reduced payments, interest-only payments or no payments. 

If you do not agree with something that appears on your consumer report, however, you have the right to dispute that item(s).

Lenders have received guidance on how to report forbearance or other payment plan information to consumer reporting agencies.  You should contact your lender to discuss how they will report the given arrangement to the credit reporting agencies.

You have 30 days from the initial transaction date to access your Equifax credit report.  Please note, the credit report you have access to will not update during that time. It remains a snapshot of your Equifax credit report as it was on your initial transaction date.