Equifax Free Online Credit Report

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i want to check my credit report online. equifax won't change outdated information i requested long ago. which is more accurate for me to try? isn't there some type of 'free check' offer that you can't really trust with hidden condition? how was your credit report experience? did they really cover your current/updated/accurate info? if not, that'd mean false info maybe reported to whoever trying to get my credit review (bank, background check) also when you apply for some jobs, they want to background check you, right? i mean, what do they do? what are you looking for? ..meant to say, what are they looking for (the company that requires background check)

Best Answer

Ellie, You are allowed to get a copy of a free credit report once a year. Go to http://www.annualcreditreport.com and order it. Then examine it carefully for any errors. Follow the procedures that came with your report and dispute all inaccurate info. If they fail to correct any of the information, they are in violation of the Fair Credit Reporting Act and you can sue them for damages and penalties. Note that a there was an audit done by the FTC to get an idea of how much inaccurate information was on credit reports, and they failed miserably. A huge amount of incorrect data is likely on your report. I check mine every year.....in just one year I found 5 errors.