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How to Get a Equifax Credit Score

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How to Get a Equifax Credit Score. You are entitled to a copy of your Equifax credit report every year, according to federal law.

To make it easier to get a copy, Equifax works with AnnualCreditReport.com to provide you with a copy.

 

How to Get a Equifax Credit Score

How to Get a Equifax Credit Score

Request a Copy of Your Credit Score Online

1. Access the AnnualCreditReport website (see Resources below). AnnualCreditReport.com handles requests for copies of credit reports for Equifax.

2. Choose your state and then click the button to request a report on the website’s front page. AnnualCreditReport.com will ask you for your contact information and Social Security number.

3. Confirm your identity by answering the website’s verification questions. They will all focus on your credit history. If you are unable to verify your identity through these questions, you will be asked to submit verification of your identity by mail.

Problems confirming your identity do not mean that there are problems with your credit report–it simply means that the website was not able to verify your identity without help from a human.

4. View your credit report online immediately. If you were asked to mail confirmation of your identity, you will get a copy of your credit score by mail within 15 days.

5. Use the Equifax website to dispute any errors you find on your credit report (see Resources below).

Equifax is required by federal law to respond to your dispute within 30 days, and allows you to file and track disputes online to speed up the process. Errors can include clerical problems, as well as issues involving identity theft and fraud.

 

Tips & Warnings

  • The AnnualCreditReport website also offers you the option of placing a fraud alert on your credit report if you have been a victim of identity theft or fraud.
  • Federal law entitles you to a copy of your credit report from each of the three main credit reporting agencies.
  • If you have already requested a copy of your credit report from Equifax in the past year, they may charge you for any additional copies you ask for.
  • Your Equifax credit report can vary from your credit scores with Experian and Transunion, because many companies only report to one of the three companies.

 

Resources

 

How to Get a Fico Credit Score

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