How to get a free credit report from Equifax

by Robin ReichertUpdated September 28, 2017
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Items you will need

  • Telephone or Internet access

  • Social Security number

The Fair Credit Reporting Act (FCRA) requires Equifax to provide each consumer with a free copy of his credit report every 12 months. The Federal Trade Commission protects consumers by enforcing the FCRA and other laws governing credit, credit ratings, credit reporting and credit fraud. Information in your credit report includes your current and past addresses, delinquent payments, bankruptcies, whether you have been sued, judgments against you and tax liens. Your credit report is used by insurance companies, lending institutions, landlords and employers to determine whether to loan you money, insure your property or hire you for a job. It is important for your credit report to contain accurate information.

Call (877) 322-8228 to request your free credit report from Equifax. Provide requested identifying information, such as your Social Security number, date of birth, state and city of residence. Alternatively, download and print the request form and mail the completed form to Annual Credit Report Request Service, P.O. Box 105281, Atlanta, Georgia 30348-5281.

Access the Internet, and navigate to Select your state of residence, and click "Request Report." Enter your name, current address, Social Security number, date of birth and previous address if you have lived at your current home less than two years. Enter the security code letters at the bottom of the page and click "Next."

Answer the security questions that appear on the next page. Provide information about credit cards you have had in the past, previous residences or a loan in your name. Click "Submit" to view or print your credit report.


Request your free credit report each year on your birthday or on another date that is easy for you to remember. You can get a free report only once every 12 months.

Credit accounts remain on your report for seven years, and bankruptcy can remain on your credit report for up to 10 years. Request removal of expired accounts that negatively impact your credit rating.

Unpaid tax liens can remain on your credit report indefinitely but will be removed seven years after you pay the taxes and the lien is released.

Dispute inaccurate information and require that it be removed from your account.


Never attempt to obtain a credit report belonging to another person for fraudulent purposes.

Beware of fraudulent services on the Internet that promise unlimited access to your credit report for a fee.


Photo Credits

  • Comstock/Comstock/Getty Images

About the Author

Robin Reichert is a certified nutrition consultant, certified personal trainer and professional writer. She has been studying health and fitness issues for more than 10 years. She holds a Bachelor of Arts in psychology from the University of San Francisco and a Master of Science in natural health from Clayton College.

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