Equifax Free Credit Report

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Best Answer

Send them your credit denial letter within 60 days of being denied. Regulations require them to send you a free copy of your credit report.

As I understand it, you get one free credit report a year from each of the three agencies. You can also get a free report if you've been turned down for credit in the past 60 days. Are these separate? Say I get a free credit report from Equifax in January and in February I get turned down for a loan and the lender says they used Equifax. Can I still get a free credit report? Or would I need to pay for this one? The lender specifically mentions which credit agency they used and say I can contact them for a free report which is why I ask.

Best Answer

The annual report if from the credit agency. The post-turn-down report is from the lender who turned you down. They are separate, and it never hurts to get a free look at your report. Also, the report a lender sees is somewhat different from the one you can get yourself for free.

On the report from the denied credit firm, it only gave debt amounts from Equifax and no names. I paid off all my bills at the end of 2005 and early 2006 and only have two debts, outside the two mortgage payments. What can I do to get the info and get my credit report updated. I can't get the free credit reports, because someone has already used my name and they say I have already requested th "free report". I have not requested that report this year. Are there any options for me/

Best Answer

Buy a credit report. They aren't that expensive. It seems like a cheap cost to fix what could be a big problem if you let it go.

Best Answer

If they could not verify your SS#, then there may be an error on your report. If you only have one active account, (and no others on your report) then the creditor may have made an error in your SS# when they reported the account. Try going to https://www.annualcreditreport.com/cra/ index.jsp If this still does not work, then you will have to notify the credit reporting agencies of the discrepancies in your SS# and provide proof of the proper number. Here is a link to do so http://www.ftc.gov/bcp/menus/consumer/credit/ reports.shtm Download a pdf file regarding how to dispute with CRA's Hope this helps

I recently asked for my free annual credit report and equifax wouldn't send it to me because my account appears to be frozen. Why would this happen if I didn't freeze it and how can I unfreeze it? Does this mean somebody tried to steal my identity? I tried calling but the number they have is all automated. Can somebody please help me understand what is happening? Thanks.

Best Answer

Is it a fraud alert or a freeze? Either way dispute it in writing not over the internet. This is going to be useful information for you as well. "Consumers Union's Guide to Security Freeze Protection" Best wishes!