Equifax Credit Reports - Check your Credit Report Online!

<body> <p> Free Credit Report www.FreeCreditReport.com See Your Credit Report in Seconds! No obligation and no commitment. Sponsored Links Free Credit Report Now FreeCreditReportService.com Free Experian Credit Check & 3 Bureau Reports w/Score Online. Aff Sponsored Links Credit Report in 30 sec 3-in-1 Online Credit Report $29.95 Fast, Easy, Secure Delivery www.my-credit.org Free Credit Report Get a free report and score plus a 30-day trial of Credit Manager www.CreditExpert.com 3-Bureau Report $24.95 Beware of Free Credit Report Offers They only provide a single report. www.creditreport.com 1 Free Credit Report Free Credit Score & Credit Report & Debt Analysis Online in seconds. www.1-free-credit-report.com Free Credit Report Online Get your credit report online in seconds. It's fast, easy, & free. www.freecreditreportsinstantly.com Countrywide CreditGuard™ 3-Bureau Report with Score: $19.95 Single Credit Report & Score: $7.95 www.countrywidecreditguard.com View your credit report 5 day free trial - credit reports and strategies for better scores www.myperfectcredit.com Free Credit Score, Report Get a free report and score and Free CreditKeeper 30-day trial www.mycreditkeeper.com See your message here... Free Credit Report - Credit Check, Credit Score Free Credit Report Directory contains many useful facts about credit report, credit score and credit management. ... Free credit report and score! Last Poll. ... www.credit-factor.com/ - 16k - Cached - Similar pages Free Credit Report at Consumer Info: Credit Report, Experian ... Free Credit Report Online at Consumer Info. Specializing in credit score, trw, credit and credit bureau. ... Get your FREE Credit Report Online in Seconds!!! ... www.consumerinfo.com/ - 32k - Cached - Similar pages Free Online Credit Report - credit check monitoring, credit rating ... Get a FREE online credit report and a free credit check monitoring service trial! ... Sign up now and have your FREE credit report delivered online in seconds! ... www.freecreditreport.com/ - 13k - Cached - Similar pages Experian | Credit Report and Score | Credit Reports: Free 30 Day ... ... marketing. » Read the latest column. Free Experian credit report and score With your 30 day trial of Credit Manager SM . Unlimited ... www.experian.com/ - 22k - Cached - Similar pages debt consolidation credit counseling free credit reports ... paying a dime! You don't have to go through "trial" credit report monitoring service to get your free credit report. New! Why did ... www.creditinfocenter.com/ - 20k - Cached - Similar pages Free Credit Report, Refinance Mortgage, Free Debt Consolidation Offers free credit report, refinance mortgage loan, and free debt consolidation. ... Receive your free Experian credit report online in seconds. ... www.spendonlife.com/ - 34k - Cached - Similar pages Get Your Free Credit Report Online Get Your Free Credit Report Online, ... 3 Bureau Online Credit Report. Now with a FREE Credit Score. ... www.qspace.com/ - 23k - Cached - Similar pages Free Credit Report Online Credit Report CLICK HERE FOR YOUR FREE CREDIT REPORT >>, ... Free Credit Report Online. It is important ... CLICK HERE FOR YOUR FREE CREDIT REPORT. We have teamed ... www.online-credit-report-online.com/ - 8k - Cached - Similar pages Free Credit Reports Online and 3 Bureau Credit Check From All 3 ... ... Order the Free Credit Report delivered online in seconds: If you want a quick check of your credit report from just one of the three national credit bureaus. ... www.creditreporting.com/ - 20k - Cached - Similar pages Credit Talk - Free Online Credit Report ... Credit Talk offers a free online credit report with the click of a button. ... Then, order your free credit report online and know exactly where you stand. ... www.credit-talk.com/ - 21k - Cached - Similar pages Immediate online access to your credit report with real-time delivery of information See a complete breakdown of your payment history User friendly dispute center that will help you fix errors in your credit report What will my 3 Bureau Credit Report offer me? Why choose all 3? View a sample report Your 3 Credit Scores are used by lenders when qualifying you for a loan or major purchase Credit Scores include Free Personal analysis to help you raise your credit scores and get the best interest rate EQUIFAX CHOSEN BY DERBYSHIRE BUILDING SOCIETY Equifax's eIDverifier to provide vital anti-money laundering service July 22 2004 EQUIFAX EXPANDS DATA ANALYTICS TEAM IN U.K. Predictive Sciences Division Welcomes Two New Analysts July 15 2004 HOW DO YOU SCORE? MyEquifax empowers consumers with unique instant online access to The Equifax Credit RatingTM July 6 2004 EQUIFAX APPOINTS DIRECTOR OF MARKETING FOR UK Christian Taylor to Drive Business-to-Business and Consumer Growth June 2004 KNOWLEDGE IS POWER FOR NEW BUSINESS START-UPS www.findoutinfo.com from Equifax brings instant access to online business reports and education library June 2004 DETRIMENTAL BUSINESS DATA AVAILABLE WITHIN HOURS Equifax Delivering Detrimental Data in Double Quick Time May 2004 SCHOOL OF HARD KNOCKS MyEquifax survey reveals credit management education by parents and colleges could help to reduce the UK burden of bad debt 25 May 2004 WOLSELEY UK CHOOSES EQUIFAX TO PROTECT ITS BUSINESS Contract Win for Equifax Commercial Information Services 18 May 2004 84 PERCENT OF BUSINESSES WANT GOVERNMENT SUPPORT IN THE BATTLE TO REDUCE COMMERCIAL LATE PAYMENT REVEALS EQUIFAX 14 May 2004 STEPPING ONTO THE PROPERTY LADDER MyEquifax Offers Advice To First Time Buyer 13 May 2004 WARWICKSHIRE MAN VICTIM OF ID FRAUD FROM EX MyEquifax highlights the financial implication of relationship break-ups 11 May 2004 POWERFUL CREDIT APPLICATION PROCESSING & FRAUD PROTECTION ONLINE Equifax launches eDecision its new online credit application, scoring and fraud protection solution 19 April 2004 A DATE FOR THE DIARY: Credit Industry to Implement Third Pary Data Proposals by 31 October 2004 14 April 2004 CLARITAS ACXIOM AND EQUIFAX LAUNCH LIFESTYLE ADVANCE New partnership undertakes the single biggest lifestyle data creation exercise for a decade 05 April 2004 KIRK DOBIE JOINS EQUIFAX Experienced professional to lead Equifax Direct Marketing Services Division 10 February 2004 EQUIFAX FIRST TO LOAD 2003 ELECTORAL ROLL Vital Electoral Roll information already available from Equifax Source 04 February 2004 EQUIFAX PARTNERS WITH THOMSON DIRECTORIES Bringing Customers Significantly Enhanced Business Services through a New Data Source January 2004 EQUIFAX’S DIGITAL CERTIFICATION GAINS BS7799 ACCREDITATION A first for Equifax and a seal of quality 29 January 2004 SOLICITORS GAIN INSTANT ACCESS TO ONLINE BUSINESS REPORTS, COMPLETE WITH BUSINESS EDUCATION LIBRARY 21 January 2004 TELE-MARKETING STEPS UP A GEAR Equifax’s new services provides access to 7.2 million telephone numbers 08 January 2004 EQUIFAX STRENGTHENS LEADERSHIP IN ITS COMMERCIAL SERVICES GROUP Former D&B executive Nick Frazer appointed Sales Director 15 January 2004 New Partnership by Equifax and Acxiom® Will Allow Companies To Create Fast, Cost-Effective Marketing Campaigns 04 December 2003 THE GHOST OF CHRISTMAS DEBT Equifax offers consumers practical advice on managing Christmas spending 30 November 2003 EQUIFAX FURTHER DEVELOPS RELATIONSHIP WITH MARKETINGFILE.COM Providing a comprehensive source of consumer data for direct marketing 24 November 2003 EQUIFAX LAUNCHES FINDOUT Providing instant access to online business reports,complete with business education library 4 November 2003 Equifax SecureMark Achieves tScheme Approval 31 October 2003 Equifax Provides Access to the 2003 Edited Rolling Register 13 October 2003 Equifax offers advice to consumers on the pitfalls of joint agreements when a relationship fails 30 September 2003 Equifax Creates Opportunities for The Welsh Development Agency 19 September 2003 Equifax First Credit Reference Agency to Offer Instant Online Access to Credit Reports 31 August 2003 Equifax is the First Choice for Redcats 5 August 2003 BUPA Chooses Equifax to Develop UK Customer & Prospects Database 31 July 2003 Equifax Portfolio Offers 24-hour Email Alerts Against Fraudsters 29 July 2003 Equifax Warns Businesses That Re-Verification of Existing Customers is Key to Winning the Money Laundering War 15 July 2003 Companies Get Instant Access To Companies House Documents From Equifax Images On-Line 11 July 2003 Equifax’s ID Authentication Services to Help Standard Life Address Anti-Money Laundering Regulations 25 June 2003 Equifax Wins New Contract With Marketingfile.com 13 June 2003 Equifax Supports the Fight Against Money Laundering 03 June 2003 Equifax Launches Pre-Mover Services 03 June 2003 Equifax offers advice to first time buyers applying for a joint mortgage with friends 29 May 2003 Equifax's Barry Conroy Wins Credit Industry's Lifetime Achievement Award 28 April 2003 A New Release for Direct Marketers from Equifax 24 April 2003 Equifax Reveals Electoral Roll Opt-Out Results 25 March 2003 Equifax Helps Organisations Fight Fraud With a Dedicated Fraud Team 04 March 2003 Consumers benefit from credit advice and information at www.equifax.co.uk 24 February 2003 Equifax Europe Appoints New Chief Information Officer 24 February 2003 Area Aid Applications for Farmers Go Online Via the Government Gateway and Equifax 05 February 2003 Equifax Keeping A Watchful Eye Over Customers' Financial Standing 05 February 2003 Equifax Launches Express Screen to Streamline Credit Marketing 28 January 2003 Consumer Protection in the Fight Against Identity Fraud 13 January 2003 Equifax Offers Advice to Non-UK Citizens Without a UK Credit History 09 December 2002 Equifax urges lenders to keep accurate records of consumer credit enquiries 19 November 2002 Equifax Scores Higher in Direct Mail Success 17 November 2002 Equifax Offers Advice on Credit Agreements for Mobile Phone Users 06 November 2002 Export Declarations go online with help from the Government Gateway and Equifax 17 October 2002 Equifax offers Advice On Credit Agreements for Mobile Phone Users 09 October 2002 Equifax helps young people gain financial independence 20 September 2002 Keep Informed - Know What is on Your Credit File 06 September 2002 Equifax explains recent changes to the Electoral Register 05 September 2002 Equifax helps consumers avoid identity fraud 28 August 2002 Equifax PLC Awarded Contract with UK Passport Services 15 August 2002 Financial Service Industry Fights Fraud With Equifax Company Essentials 14 August 2002 Equifax advises students how to maintain a good credit status while at College 18 July 2002 Relationship Break-ups Can Impact on Your Credit Status 18 July 2002 Equifax Delivers On Second Quarter Expectations and Announces Significant New Revenue Initiative 04 July 2002 Young People in Debt - Equifax Offers Advice for the Future 18 June 2002 Equifax Prepares to Acquire Electoral Roll Data 18 June 2002 Equifax Helps Companies Reduce the Risk of Extending Credit to Sole Traders and Partnership Businesses 13 June 2002 Equifax Lends a Helping Hand to Homebuyers 29 May 2002 Equifax Comments on DTLR Announcement Regarding the Commercial Use of Electoral Roll Information 18 April 2002 Equifax Delivers Solid First Quarter Results 04 March 2002 Equifax Names Michael Shannon Group Executive for Europe Customer Service About Equifax Site Assistance Equifax Credit Watch™ 3-in-1 Credit Report Score Power® Equifax Credit Report™ Gift Certificates Browse by Product Equifax Credit Watch 3-in-1 Credit Report Score Power® 3-in-1 with Score Power® Equifax Credit Report™ You may be interested in:Online Dispute Visit Fixing Errors on Your Report in the Equifax Learning Center to learn more about disputing items in your credit file. Ready to begin the dispute process? Visit Online Dispute to get started. Credit Scores Visit Credit Scores in the Equifax Learning Center to learn more about credit. Learn more about Score Power® in Score Power® How To and Score Power® FAQS. Credit Education Visit Your Credit and Major Purchases in the Equifax Learning Center to learn more about credit. Learn more about credit reports in Equifax Credit Report™ How To and Equifax Credit Report™ FAQS. Fraud Prevention Visit Identity Theft and Your Personal Privacy in the Equifax Learning Center to learn more about preventing fraud. Learn how Equifax Credit Watch™ can help protect against identity theft and fraud. You may qualify for a free file disclosure via. U.S. mail. See our Fair Credit Reporting Act information. View our Newsletter Archive for helpful credit information. Customer Support CenterEmail Support Get answers quickly Phone Talk to a live person Hours of Operation 8am to 3am EST, 7 days a week How Can We Help You? Frequently Asked Questions How can I dispute inaccuracies on my Equifax Credit Report™? How can I check the status of my dispute? I forgot my login information, what do I do? Where is my online product? How do I obtain a free copy of my Equifax Credit Report™? Learn more in Site Assistance FAQs and About Equifax FAQs. Questions About Our Products If you have specific questions about a product that you have purchased from Equifax, please review the Frequently Asked Questions section for your specific product by selecting the product from the list below. Manage Your Credit Equifax Credit Report™ Equifax Credit Report™ Overview An Equifax Credit Report™ is the information from your personal Equifax credit file. It offers you immediate online access to your credit information in a secure, easy-to-read, and printable format. Information that appears in your report is gathered from many sources, such as your creditors, public record sources, collection agencies. Your credit report is a picture of how you, and you alone, have paid back debt and met other financial obligations as of the date you purchase your Equifax Credit Report™. To assure national coverage, Equifax has formed affliate agreements with several smaller credit reporting agencies that contribute information to the credit database. Select any of the following topics to learn more about the sections of the Equifax Credit Report™: Personal Information Credit Summary Account Information Credit Inquiries Public Records Disputing File Information Printer-Friendly Report Learn more about your Equifax Credit Report™ in Equifax Credit Report™ How To and Equifax Credit Report™ FAQs. Personal Information The 'Personal Information' section of your Equifax Credit Report™ includes your name, Social Security number, date of birth, current and previous address, employment history, and more. You, your creditors, or other sources report this information to Equifax. Each source may report this information differently, which could result in variations of your name, address, Social Security number, or other pieces of information. The items in 'Personal Information' are not used in scoring, but information that is unfamiliar -- not merely out of date or misspelled -- may indicate possible credit fraud or identity theft. Back to Top Credit Summary The 'Credit Summary' section includes the overall number of credit accounts and loans you've held over the last seven years. It includes active, inactive, and closed accounts. To see additional credit file information, select any of the other pages listed in the 'Credit Summary' section. Mortgage Accounts Includes all of your mortgage accounts. Installment Accounts Includes all accounts with fixed terms and regular payments. Revolving Accounts Includes all accounts that have no time limit on them, such as credit cards. Other Accounts Includes all other types of accounts. Open Accounts Includes all accounts that have been reported within the last 90 days. Closed Accounts Includes all accounts reported as having been closed by either you or the creditor. Accounts in Good Standing Includes open accounts that are not currently overdue and closed accounts on which you owe no money. Accounts Currently Past Due Includes accounts with a currently overdue amount. Negative Account History Includes accounts from the past seven years that were not paid as agreed. Inquiries Within Past 12 Months Includes hard inquiries, sometimes called voluntary inquiries, that were made to your credit file over the past 12 months. Back to Top Account Information The 'Account Information' section displays information about the credit accounts in your Equifax credit file, including the company name, partial account number, type, date opened, credit limit or loan amount, balance, date reported, and any delinquencies or comments. To see the full account information, including contact information for the creditor and payment history, select the 'Expand' button. Back to Top Credit Inquiries The 'Inquiries' section lists the name of a creditor or authorized user who has accessed your Equifax Credit Report™. Each inquiry is posted to your credit file so you know who has obtained a copy of it. There are two main types of inquiries -- hard and soft. Hard Inquiries Hard, or voluntary, inquiries are generated when you authorize a company to request a copy of your credit report. Soft Inquiries Soft, or involuntary, inquiries are generated for a number of different reasons. These inquiries reflect either your request for your own credit report or a company considering you for an offer of credit, such as a credit card solicitation. These inquiries do not appear on the credit report that lenders see. They are displayed here for informational purposes only. The different types of soft inquiries are: PRM. A promotional inquiry in which your name and address were provided to a person who then gave you a firm offer of credit or insurance, such as a preapproved direct mail credit card offer. These inquiries remain on your file for 12 months. AM or AR. An Account Monitoring or Account Review inquiry in which one of your creditors performs a periodic review of your account. These inquiries remain on your file for 12 months. Equifax, ID, ACIS, or UPDATE. Internal inquiries, which indicate Equifax's activity in response to your contact with us, for either a copy of your credit report or a request for research. These inquiries will remain on your file for 24 months. Back to Top Public Records The 'Public Records' section reports the presence of several types of items on your credit report, including accounts that have been turned over to a collection agency, matters of public record, bankruptcies, and similar items. Such information can damage your credit score. The different types of items that may appear in the 'Public Records' section of your Equifax Credit Report™ are: Collections This section lists seriously delinquent accounts that have been turned over to a collection agency. Such accounts are considered closed. But because collection agencies, like creditors and lenders, can report information to credit reporting agencies, a new version of the account (reported by the collection agency) may eventually appear on your credit report. This information has a very negative effect on your credit rating, so it is important to contact the agency promptly to try to correct it if it is incorrect. Bankruptcy A legal agreement in which a consumer is declared fully or partially unable to repay debts. In return for full or partial release from those debts, the consumer may sacrifice some property or agree to a payment plan. There are two different types of bankruptcy for consumers: Chapter 7 and Chapter 13. Garnishments A legal proceeding in which money that would normally be paid to you (such as your paycheck) is applied directly to the payment of a debt instead. Foreclosures The legal process by which a creditor may sell mortgaged property to pay a defaulted mortgage. Tax Liens The federal, state, or local government's claim to your real or personal property for the payment of unpaid taxes. A tax lien filed against you normally appears in the public records section of your credit report. Financial Counseling A voluntary method of debt restructuring in which a person makes a lump sum payment to a financial counseling agency who distributes the funds to creditors. Consumers in financial counseling may have an arrangement to pay all or part of their consolidated debt. Although it negatively impacts a credit rating, it is less negative than bankruptcy. Lawsuits or Judgments A court verdict that requires a person to fulfill an obligation -- to pay a debt, for example. When a judgment has been satisfied, the consumer has fulfilled its requirements and is no longer liable. Information about judgments is recorded in the public records section of a credit report. Miscellaneous Items This section indicates the presence of one or more of the following types of items on your credit report. These items in themselves do not necessarily affect your credit. Consumer Statement. This item may appear if you've contacted Equifax and placed a consumer statement on your file to explain an unresolved dispute. Financial Statements. Public records regarding personal property that has been seized in connection with an unpaid loan. Marital Items. Legal information regarding divorces and annulments. Nonresponsibility Statement. A statement you've filed claiming that you are not responsible for a particular debt. SSN or Address Verification Request. This item appears if your address or Social Security number meet criteria that have placed their validity or accuracy in question. The item may indicate that your reported address or SSN is too new to have been verified. Back to Top Disputing File Information If you believe that any of the information found on this report is incorrect, you may launch an investigation. For any of these investigation methods, you will need a current copy of your credit report and your report confirmation number. This number can be found at the top of your report. Online Disputes You may initiate a dispute online regarding the following information: Credit accounts Former address information Collection accounts Judgments Liens Garnishments Bankruptcies Disputes by Mail Write to: Equifax Information Services LLC P.O. BOX 740256 Atlanta, GA 30374 If you would like to dispute or change your name or date of birth, you'll need to send a copy of your driver's license reflecting this change. If you want to dispute or change your current address, you'll need to send a copy of your driver's license or a utility bill reflecting this change. If you want to dispute your Social Security number, you'll need to send a copy of your Social Security card or a W-2 form. Different states have different State Disclosure requirements when delivering credit information. Please also see Federal Disclosure requirements. By Phone To dispute information found in your Equifax Credit Report™, please click Section 7 - Dispute File Information within your report. You will find the telephone number for the dispute center. Be sure to have your report confirmation number available when you call. This number can be found at the top of your report. Back to Top Printer-Friendly Report Your Equifax Credit Report™ is also available to you in a convenient printer-friendly version. Simply select 'Printer Friendly Report' in the left column of the Equifax Credit Report™ page, then select 'Print This Page' at the top of the new page that appears. Score Power® 3-in-1 Credit Report Protect Your Identity Equifax Credit Watch™ Gold Equifax Credit Watch™ Silver Major Purchases 3-in-1 Credit Report with Score Power® Questions About Equifax Who is Equifax? Does Equifax use consumer credit information to market consumer products and services, or sell my name to direct mail companies? Why did Equifax turn down my request for credit? How does Equifax get its information? More about Equifax... Site Assistance Registering Your Profile Logging In and Out Member Center Security and Encryption Contacting Equifax Copyright Equifax 2004 | Privacy Policy | Terms of Use | FCRA 24 January 2002 Equifax's 2001 Results Continue Record Performance 14 September 2001 Equifax, MicroMatch and NOP World Join Forces to identify Early Adopters, Followers and Traditionalists for the Telecoms and Technology Market 01 September 2001 Equifax has launched Global Online - Access to Commercial Credit Reports from over 200 Countries 31 August 2001 BarclayCard Awards Credit Application Processing Contract to Equifax 20 May 2001 Equifax and BT Ignite to Offer Businesses Online Authentication Solution 11 May 2001 Equifax Secure Selected as First Online Digital Certificate Provider for Submission of Forms via the Government Gateway 17 April 2001 beTRUSTed and Equifax Form Alliance To Enhance Security Solutions for Global E-Business 30 April 2001 Powerful Pre-Screening Tool launched by Equifax Award winning Equifax Risk NavigatorTM now available for the Marketing industry 31 March 2001 Powerful Pre-Screening Tool launched by Equifax Award winning Equifax Risk NavigatorTM now available for the Marketing industry 31 March 2001 The Prospects are Good with Equifax at the IDMF 2001: New Range of Consumer and B to B Marketing Products to be Launched 31 March 2001 Equifax brings unrivalled intelligence to the customer acquisition process with the launch of Equifax IATM 31 March 2001 Equifax Business to Business Marketing Launches: eBtoB-uk.com 31 January 2001 Equifax Offers Some Practical Advice On Taking out Credit Agreements for Mobile Phones 31 January 2001 Making Your Finances Creditable in 2001 Get your Credit Report from one of the credit bureaus - Experian » $13.00 sample Equifax Credit Report - Promo Code It is imporatnt to have good credit, if you are applying for a loan, a job, or even just getting a mobile phone. Immediate online access Details on credit cards and loans opened in your name, companies accessing your credit file, payment information, and more. An easy-to-read, printable format Ability to dispute errors in your credit file quickly and easily online Access to Customer Care, available 7 days a week Equifax Credit Report Get your Credit Report from one of the credit bureaus - Equifax » $13.00 sample Get your Credit Report from one of the credit bureaus - TransUnion » $13.00 sample Reasons To Check Your Credit Report Credit Quiz Rate your credit Equifax Credit Report™ How To Questions regarding information found in your Equifax Credit Report™? What is a report confirmation number and how do I use it? There is trade information missing from my Equifax Credit Report™, how do I correct this? See more about this topic in Equifax Credit Report™ FAQs. Questions reguarding your credit information? How can I add a consumer statement to my file? How do I obtain my American file if I am a resident from another country or I am becoming an American resident? How do I merge my Canadian file with my American file due to dual citizenships? See more about this topic in Equifax Credit Report™ FAQs. Considering ordering your Equifax Credit Report™? How else can I access my Equifax Credit Report™? How do I obtain a free copy of my Equifax Credit Report™? See more about this topic in Equifax Credit Report™ FAQs. Questions regarding disputing, correcting, or updating information found on your Equifax Credit Report™? How can I dispute inaccuracies on my Equifax Credit Report™? How can I check the status of my dispute? How do I update the personal information within my credit file? See more about this topic in Equifax Credit Report™ FAQs. Thinking about adding/removing a fraud alert to/from your Equifax Credit Report™? How do I set up a fraud alert? How can I remove a fraud alert from my file? See more about this topic in Equifax Credit Report™ FAQs. What is a Report Confirmation Number and how do I use it? Your Report Confirmation Number can be found at the top of your Equifax Credit Report™. It is used to provide you access to our dispute center or to help you initiate an online dispute of your file information. This number allows Equifax to access your credit file without asking you to provide us with all of your identifying information. Please keep this number for your records. Some consumers may not receive a confirmation number. This indicates that your credit report is affiliate-owned. Affiliate credit reports are included in the Equifax database, but the affiliate controls the territory in which you reside. In instances where an affiliate maintains ownership of your credit report, you must initiate any request to dispute information directly with the appropriate affiliate office by contacting them at the telephone number listed at the bottom of your online credit report. Back to Top There is trade information missing from my Equifax Credit Report™, how do I correct this? Not all creditors report to all three credit reporting agencies. There are some creditors that report to only one of the three credit reporting agencies. Check with your creditor(s) to find out if they report to all three credit reporting agencies. Back to Top How can I add a consumer statement to my file? If you cannot resolve a disputed item, you have the right to file a brief statement with the consumer reporting agency, free of charge, explaining the nature of your disagreement. The consumer reporting agency may limit your statement to not more than 100 words if it provides you with assistance in writing a clear summary of the disagreement. Your statement will become part of your credit file, and will be included each time your credit file is accessed, for as long as the disputed item remains in your credit file. Back to Top How do I obtain my American file if I am a resident from another country or I am becoming an American resident? You must first determine if you have an American file. If the companies in which you currently do business with are not reporting members of Equifax U.S., then you do not have an American file. In order to establish an American file you can apply for credit with American companies who are reporting members of Equifax. Most major credit card companies e.g. American Express, MasterCard, Visa and Discover are reporting members of Equifax. Back to Top How do I merge my Canadian file with my American file due to dual citizenships? You cannot merge your Canadian and American files. You must maintain separate credit files from each country due to various laws and/or provinces. Back to Top How else can I access my Equifax Credit Report™? There are two ways to order your Equifax Credit Report™ other than online -- by phone or by mail. To order by phone: You can order by phone by contacting us at 1-800-685-1111. You will be asked to enter information into our interactive telephone system and to pay with a credit card. Your Equifax Credit Report™ will be mailed to you within three days. To order by mail: You can order a copy of the information on your Equifax Credit Report™ by writing to: Equifax Information Services, LLC Disclosure Department P.O. Box 740241 Atlanta, GA 30374 Please include the following information when writing, and enclose payment of $9 (check or money order) with your order: Full name (including Sr., Jr., III, etc.) Social Security number Current and previous addresses for the past five years Date of birth Signature Phone number Important note: Credit information is maintained on an individual basis. If you are married, the information contained in your spouse's credit file may not match identically the information in your credit file because certain accounts may have been established in your name or your spouse's name only. You may only request a copy of your own credit file. To learn more about your credit rights, including when you are entitled to receive a free copy of yours, click here. Back to Top How do I obtain a free copy of my Equifax Credit Report™? If you live in one of the following states, you are entitled to receive a free credit report by mail. Colorado Georgia (2 per year) Maine Maryland Massachusetts New Jersey Vermont If you currently reside in one of these states, you may order your free credit report by calling 1-800-685-1111. All other states are required to pay the $9.00 fee with the exception of Connecticut - $5, Minnesota - $3; California - $8, and Montana - $8.50. Additionally, if you meet one of the FCRA requirements below, you are entitled to one free credit report via U.S. mail. Persons that are unemployed and intend to apply for employment within 60 days. Persons receiving public welfare assistance. Persons who believe their consumer file contains inaccurate information due to fraud. Persons that have been the subject of adverse action, such as denial of credit or insurance, within the past 60 days. Your free credit report can be ordered by calling Equifax at 1-800-685-1111. If you prefer, you may also request your free credit report by writing to Equifax at the following address: Equifax Information Services, LLC Disclosure Department P.O. Box 740241 Atlanta, GA 30374 Back to Top How can I dispute inaccuracies on my Equifax Credit Report™? As stated in the FCRA, you have the right to dispute information that you feel is being reported incorrectly on your Equifax Credit Report™. You are able to initiate an online investigation immediately or you can contact our dispute center at the toll-free number listed at the top of your Equifax Credit Report™. You must have a current copy of your Equifax Credit Report™ and your nine-digit confirmation number to complete this process online, which is found at the top of your Equifax Credit Report™. To initiate an online investigation, click here. Your investigation requests are covered by the FCRA. Additionally, you can dispute inaccuracies via US mail by writing to: Equifax Information Services, LLC P.O. Box 740256 Atlanta, GA 30374 Back to Top How can I check the status of my dispute? Within a month of your inquiry, the credit reporting agency should notify you of the results of its investigation and provide you with a new credit report free of charge. Examine it carefully to ensure that the inaccuracies have been fixed or removed. If the error has been fixed, you can have the credit reporting agency send the corrected report to anyone who received the inaccurate report in the past six months (two years in the case of employers). If you find an inaccuracy with one credit reporting agency, you may want to get your credit report from the other two agencies to see if their reports contain the same error. After you've corrected an error with one agency, the other agencies should eventually receive the corrected information. But for prompt correction, it's best to contact each of the three agencies individually yourself: Equifax 1-800-685-1111 Experian 1-888-397-3742 TransUnion 1-800-916-8800 Back to Top How do I update the personal information within my credit file? Contact each of your creditors and make sure that they have your personal information correct in their records. As your creditors report information to Equifax, the current information in your file will be updated. If you forget to update your personal information with any one of your creditors, they will continue to report incorrect information to Equifax. Equifax will then update your personal information to reflect your outdated or incorrect information. Updating your personal information with your creditors first will ensure that information reported to Equifax by your creditors is correct. After contacting your creditors, you may also contact the dispute center and request that your personal information be updated or corrected. Back to Top How do I set up a fraud alert? To set up a fraud alert, simply call our Consumer Fraud Division at 1-888-766-0008. You will be presented with an automated voice response system that will ask you to input your personal information. This process should only take a few minutes. If you prefer, you may also write to the Consumer Fraud Division at the following address: Equifax Consumer Fraud Division P.O. Box 740256 Atlanta, GA 30374 Back to Top How can I remove a fraud alert off my file? A written request is required to remove a fraud alert from your file. You may write to Customer Service at the following address: Equifax Consumer Fraud Division PO Box 740256 Atlanta, GA 30374 Please be sure to include your name, social security number, current and previous addresses, date of birth, and telephone number. </p> </body>