How to Obtain Your Equifax Credit Report

Equifax is one of three major consumer credit reporting agencies in the U.S. The other two are TransUnion and Experian. Of the three agencies, Equifax is the oldest and has been around since 1899. Equifax not only offers credit reports to consumers, but they also offer credit scores and identity theft protection services. While each credit reporting agency handles their reports a little differently, they all report the same basic categories. These categories include identifying information, trade lines, credit inquiries, public record and collection items.

Instructions

1

Go to the website Annual Credit Report. From this site, you are eligible to receive a free copy of your credit report from each of the three credit bureaus once every 12 months. If you already received your free report withing the past 12 months from Equifax off this site, then you can go directly to the official Equifax website and get another report for a fee.

2

Select your state from the drop-down list on the Annual Credit Report website and click "Request Report."

3

Fill out the application and choose Equifax when asked which credit bureau you want to get your report from. You can also select to receive free reports from the other two if you want. After completing the form, click to submit it. Your credit report will be given to you instantly online.

4

Apply for a credit report over the phone by calling 877-322-8228 if you are unable to do so online. If you request your report over the phone, it will be mailed within 15 days and you should expect to receive it within 2 to 3 weeks.

5

Apply for a credit report by mail if you are unable to do so online or over the phone. Go to the Annual Credit Report website and download the request form. Print a copy and fill it out. Then mail it to the address listed on the top of the form. After the form is received, your credit report will be mailed within 15 days and you should expect to receive it within 2 to 3 weeks.