An Equifax credit report is the best way to keep a yearly check on your credit score. You will be able to see what has happened in the year that has made it go down, or what has made it go up.
To get an Equifax credit score you can visit Equifax website and search the type of report you need. You’ll get instant online access to your credit report, record of companies that have reviewed your credit history, and a confirmation number to resolve disputes and fix errors.
Free Equifax Credit Report
By law you can also get an Equifax free credit report every year. But Equifax only has to give you a free yearly or annual credit report once a year. If you would like to receive another credit report, then you have to pay more money. It will usually cost about $10-$20, depending on type of report and added services.
The only exception to this rule is if you’ve been denied either credit or a job or are on welfare or unemployed. In this case, you will be given another free credit report from Equifax. But one option that really shows that these people care is that if the Equifax free credit report was inaccurate due to fraud, then they will send you another credit report score for free.
Reasons to Get an Equifax Credit Report
It may seem weird to know that your every move is being taken down and written on a piece of paper that you will read once a year. But, that is how the credit system works, and even though it may seem strange, there is nothing you can do to change it.
By obtaining your credit report from Equifax you’ll know why you keep getting rejected for credit cards, or how lenders make decisions about whether to extend you new credit. So, regularly checking your credit report from Equifax is the best way to make sure you find possible errors and remove the inaccuracies from your credit report.