According to the law (Fair Credit Reporting Act) the major credit bureaus such as Equifax as to provide an Equifax free credit report to you at your request. You can request for one free copy of your annual Equifax Free Credit Reportonce every 12 months. This credit report will have valuable information regarding your credit and information on how regular you are with payments, personal information including address, name and your Social Security Number.

Basics of a credit report:

A credit report from Equifax will contain some information regarding your credit related activities and your credit history which will allow you to get a grasp of you current credit situation. It will be a guideline for you to curtail your spending and reduce any debts you may be having for a better credit rating.

Your Equifax Free Credit Reportwill include four categories of information;

Identification:Contains information about personal matters such as your Social Security Number, your current and previous addresses, name and other personal information like date of birth, etc.

Credit: This section includes any information about accounts with banks, accounts with credit card companies, lenders and retailers.

Public Record: This section has information about any state and county records on bankruptcy or tax issues.

Recent Inquiries:This states which party, individual or organization has pulled up your credit information recently.

Reasons to get an Equifax Free Credit Report:

There are many reasons to want to get an Equifax Free Credit Report which can include factors such as to improve your credit rating and check up on any possible discrepancies in your credit report.

- Due to the uncertainty of the economy on today’s times your credit rating is now a lot more important than earlier as most banks are taking safety measures and only lending to the people with very good credit. This makes it your responsibility to obtain good credit or, if you have good credit you should take safeguard your credit rating. AnEquifax Free Credit Report will help you keep your peace of mind especially if you’re about to make a large purchase and need to keep that credit afloat for getting better interest rates.

- A credit report is the driving factorfor both individuals and the various credit companies where they usually end up being the pivotal aspect used by the credit companies to approve or deny a request for a loan. Your credit application may be accepted but you may be subject to higher interest rates if your credit doesn’t meet the standards. This has been happening more and more especially with banks offering better interest rates to people with a credit rating of over 720 than to people with the a score close to the national average of 692.

- Consumers acquiringa copy of their own credit report can use it when they apply for any kind of credit such as a loan or a credit card.

How can I get an Equifax Free Credit Report:

You can get an Equifax Free Credit Report by writing to them at the address mentioned below;

Equifax

Office of Consumer Affairs

P.O. Box 105873

Atlanta, GA 30348

You can also receive a free credit report from them by sending a fax to their number 404-612-3150.

In case of any inquiries you can call their toll free number 1-800-685-1111.

Get a Equifax Free Credit Report and be freed of any worries you may be having regarding your credit rating and apply for a loan without a hitch!