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How to get your free credit report from Equifax?

Equifax, Experian and TransUnion are the three major credit bureaus and they are required by law (Fair Credit Reporting Act – FCRA) to provide a free annual credit report at your request.

Once every 12 months you can apply a free copy of your credit file. Your credit report contains information on where you live, how you pay your bills, if you've been sued, arrested, or has declared bankruptcy.

The three major credit bureaus sell the information in your report to creditors, their insurers, employers and other businesses. These companies use the report to assess and evaluate your applications for credit, insurance, employment, or even rent a house …

You also have right to Experian, Equifax or TransUnion credit report free for a period of 12 months, regardless Wherever you live, if:

• You are unemployed and intend to apply for a job in the next 60 days.
• You are in the public welfare.
• You think your history Credit contains inaccurate information due to fraud.
• You have received a notification of an adverse decision in the last 60 days:
  • Have you been refused credit
  • Was denied insurance coverage
  • He has been denied employment

Otherwise, each of these three major credit bureaus can charge up to $ 9.50 for a copy of your report within 12 months.
You can request a copy of your Equifax credit report free Here:
Equifax Information Services LLC
PO Box 740241 Atlanta, GA 30374
or call 800-685-1111

Another alternative is to print the form Annual Credit Report Request to the FTC (Federal Trade Commission) site and fill out the form, be sure to check Equifax credit record Free. (Save the report calls for free TransUnion and Experian Credit Bureau Credit Bureau for another time.)

The FTC (FTC) recommends that you receive a request for free annual credit reports through:
annualcreditreport.com or
Call: 1-877-322-8228 or
Email application to:
Credit Application Service Annual Report
PO Box 105281,
Atlanta, GA 30348-5281.

For more information and rights the application to access your free Equifax credit report, visit the FTC at ftc.gov.

Your Free Equifax Credit is a snapshot of your borrowing and payment Bill behavior during the past 24 months. The report will give you a credit score. With planning and careful time to step it has the power to change for the better. About the Author

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Equifax Deletes 6 Judgments After Just One Challenge!! (Oct 21 2009)