Each American is allowed to get a free copy of their credit report. This is a new option since in the olden days the credit reports were to be paid for. The credit report became free after FTC’s ruling under the Fair and Accurate Credit Transmissions Act. Equifax is one of the “big three” credit bureaus and you can get a free credit report from Equifax by contacting them.
The need for credit report.
Various credit bureaus collate information from many sources to prepare their report and then send the information to the customers. Retailers, employers, credit card companies and issuers, insurance companies, and banking institutions contact these credit bureaus to access details of your credit history. You should be in charge of your credit since the chances of erroneous information being used can be very high. This can result in job loss, denial of credit as well as insurance. These errors can happen, causing you a lot of problems. Hence it is advisable you go through an Equifax free credit report.
You can contact Equifax on a toll free number 1-800-685-1111 for more information. You can even request Equifax in writing for a free credit report and if you have failed to get any credit or other benefits. This should be done within 60 days of the denial. The Equifax credit report can be obtained by writing to them at:
Equifax
Office of Consumer Affairs
P.O. Box 105873
Atlanta, GA 30348
You can also fax your request to Equifax on 404-612-3150, to get a free credit report. To get a credit report for problems associated with employment, insurance or utility, contact Equifax on 404-612-3321. These calls are long distance and are charged. They are free only in the Atlanta, Georgia.
Equifax simplifies your task of being in charge of your credit by offering you the chance for getting a free credit report. Being aware of your credit status can help you by saving your time and money in the future.