Equifax Free Credit Report Review: Everything You Need to Know
Any time you make a meaningful financial decision, you need to check your credit report. Before you buy a car, before you take out a loan, before you apply for a job, or even try to rent a car, you need to know the state of your credit score. In fact, good financial management includes watching your credit report for errors and out-of-date information. You can get a free credit report from Equifax, one of the three leading credit bureaus, but only one a year.
If you're looking for an Equifax free credit report review, you've found it. Find out everything you need to know about your one yearly Equifax credit report and how to get more monthly credit reports with DoNotPay when that one Equifax report is used up.
What Is the Equifax Free Credit Report?
The US government mandates that all three of the major credit bureaus, Experian, Equifax, and TransUnion provide a free credit report to each consumer per year, on request. Under this law, Equifax is required to provide you with one detailed and completely free credit report a year.
When you ask Equifax for a credit report, the first report they give you each year is free. Beyond that first report, Equifax sells their credit reports as one-time requests or a subscription credit report service. In fact, even the trial period for the Equifax subscription report service is not free. They offer a $1 7-day trial and a $5 30-day trial instead.
How the Equifax Free Credit Report Works
You can request your free credit report from Equifax at any time. However, it's no longer easy to find. Equifax would like to sell you their 3-bureau report (including Experian and Transunion), which is a paid service. However, if you scroll down on the Personal page, you will eventually see a tab that says "Get a free credit report" with the image of a clipboard and check mark.
In your credit report, you will see more than a number. You should see a detailed list of all your listed debts, outstanding credit, and current creditors so you can check the accuracy. You can also find your FICO score, which is essential for many financial transactions and approvals.
How Much are Equifax Plans?
To learn more about Equifax pricing, check out their plans here:
|Equifax Complete™ Premier||$19.95/month||
You can cancel at any time. No partial month refunds.
|Equifax Complete™ Family Plan||$19.95/month||
You can cancel at any time.
No partial month refunds.
You can also cancel at any time with no partial month refunds.
For more information or if you need support, you can call 1-888-Equifax (1-888-378-4329) or use the Online Self Service on their website.
Why Only One Free Credit Report a Year?
Equifax would not offer a free credit report if they didn't have to. The only reason you have one free Equifax credit report a year is the Fair Credit Reporting Act.
Before this act, people were judged on a credit report they essentially never saw. It was a secret number that gauged your financial trustworthiness to the lending elite. Equifax, Experian, and TransUnion give you one free credit report a year because the law requires them to do so.
If you get a free 3-bureau report, you can accidentally use up all three free reports at once. At the same time, you need all three reports because you never know which one a specific lender or employer will look up.
Can I Get My Equifax Credit Report More Than Once?
Yes. But Equifax requires payment for additional credit reports. Fortunately, Equifax is not your only source of Equifax credit reports. Credit report providers like DoNotPay can get you credit reports at a separate price point due to a private relationship with the credit bureau.
Boost Your Credit Score With DoNotPay!
If you need to increase your credit score, this is easy to do with DoNotPay. There are many different ways to remove old or invalid debts, force creditors to back off, negotiate and minimize debt, and complete your score-building lines of credit that DoNotPay can help you accomplish.
Here are the 4 ways DoNotPay can help you clean up your credit report.
- File a Goodwill Removal Request Letter
- Send a Credit Dispute for Inaccurate Reports
- Submit a Debt Validation Request
- Mail a Pay-to-Delete Negotiation Letter
If you want to clean up your credit report but don't know where to start, DoNotPay has you covered in 3 easy steps:
- Search Clean Credit Report on DoNotPay.
- Prepare a recent copy of your credit report that you can use as reference.
- Let us guide you through the 4 potential options:
- If you've already paid off your debt, we'll help you file a Goodwill Removal Request to get it removed.
- If you notice any errors in your report (we have a list of common errors you can use!), we'll help you file a credit dispute to the creditor or major credit bureaus.
- If there are no errors, we'll check if you're still eligible to file a debt validation request. If they can't validate your debt, they're required to remove it from your report and they can't collect it!
- Lastly, if none of the above options work, we'll help you file a pay-to-delete negotiation letter. You can customize the amount you are willing to pay in exchange for getting the item removed.
You can also check out our other credit products, including Credit Limit Increase, Get My Credit Report, Keep Unused Cards Active, and more!
Find Out More About Credit Report Services
Check out the following links to see reviews on different online solutions:
What Else Can DoNotPay Do?
DoNotPay was founded on the idea of making life easier and more affordable. Helping you get regular access to your credit report without extra hassle or cost is right up our alley. To find out more interesting, useful, and essential ways DoNotPay can help save you money, remove the hassle, or improve your plans, explore our many tools and services online.
- File a small claims court lawsuit
- Book a DMV Appointment
- Get help paying the bills
- Try free trials really free
- Find money you should have been paid
- File a complaint with any company
- Get compensation for late flights
- Understand any TOS