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¹The credit scores provided under the offers described here use the Equifax Credit Score, which is a proprietary credit model developed by Equifax. The Equifax Credit Score and 3-Bureau scores are each based on the Equifax Credit Score model, but calculated using the information in your Equifax, Experian and TransUnion credit files. The Equifax Credit Score is intended for your own educational use. It is also commercially available to third parties along with numerous other credit scores and models in the marketplace. Please keep in mind third parties are likely to use a different score when evaluating your creditworthiness. Also, third parties will take into consideration items other than your credit score or information found in your credit file, such as your income.

²The Automatic Fraud Alert feature is made available to consumers by Equifax Information Services LLC and fulfilled on its behalf by Equifax Consumer Services LLC.

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Have You Pulled Your Credit Report Yet?

Written by Equifax Experts on June 25, 2012 in Credit  |   3 comments

We’re halfway through the year—have you pulled your credit report yet? By law, every consumer is allowed one free credit report per year from each major credit reporting agency (CRA): Equifax, TransUnion, and Experian. Mark on your calendar to go to annualcreditreport.com every four months…

We’re halfway through the year—have you pulled your credit report yet?

By law, every consumer is allowed one free credit report per year from each major credit reporting agency (CRA): Equifax, TransUnion, and Experian. Mark on your calendar to go to annualcreditreport.com every four months and pull one of your credit reports. You’ll also be given a chance to see your credit score for a small fee.

When you look at your credit report, there are a few things in particular to which you should be paying attention. Ask the following questions:

  • Is my personal information (name and address) correct?
  • Is my account payment history correct for each creditor?
  • Are the balances and account age (date opened) correct for each of my accounts?
  • Are there any inquiries on my credit report for an account for which I did not apply?
  • Are there any inactive accounts that show new activity?

If any of the information on your credit report is incorrect, you’ll want to file a dispute right away by directly notifying the CRA that gave you the report. At Equifax, you can file a dispute online, by mail, or by phone. If there’s a mistake, look at your credit report from the other two CRAs as well. Note that if you’re filing a dispute, you don’t need to go through annualcreditreport.com; you can instead contact each agency directly to correct the inaccurate information.

Accessing and monitoring your credit report more often

Sometimes you might want or need more frequent access to your credit report than every four months. For example, if you’re planning a big purchase in the next year, such as a house, you might want to keep a close eye on your credit report. And if you’re actively working to improve your credit score, you’ll want to see all the activity to watch how your hard work is paying off.

Credit-monitoring products like those offered by Equifax can help you keep tabs on your credit report. Such products enable consumers to track and protect their credit and identity throughout the year by monitoring at least one, but oftentimes all three, of their nationwide credit reports and alerting them of key changes to the information in their credit files.

If you’ve been a victim of identity theft or you want to prevent it from happening, these products can closely monitor the activity on your credit report. Credit-monitoring products can help you quickly identify any unauthorized changes—and the sooner you identify fraud on your credit report, the easier it will be to get started on the path to restoring your identity.

There are many credit monitoring products on the market, and price should not be the greatest determining factor in which one you use. Make sure that the product you choose provides the features you need. If you want to give yourself more protection with one of these products, take a look at your options and decide what’s best for you.

3 comments

  1. Claudia, Spirit and Money Matters says:

    Make sure you’re going to http://www. annualcreditreport.com and not the individual companies, who can – and will charge you.

    By law you CAN get a FREE credit REPORT from each of the three major companies (Experian, Equifx, and TransUnion) once a year. You can request one report quarterly from each company, (that covers you all year—Then do it again next year.)

    The legitimate website for FREE credit reports is: http://www.annualcreditreport.com
    Or, call 1-877-322-8228 for your FREE credit report.

    IF you go directly through the individual companies, there IS a charge.
    These three companies provide free annual credit reports ONLY through annualcreditreport.com; 1-877-322-8228
    If you want a credit SCORE, there IS a charge.

    http://www.facebook.com/spiritandmoneymatters; http://www.spiritandmoneymatters.wordpress.com

  2. N/A says:

    If I have some accounts that shows I was late once or twice within the two or three years I have had the accounts. If I called the card companies that have reported me late and ask to please have these late payments removed would they possibly remove them from my reports? I had disputed these late payments so therefore they credited my account, so they also should have also updated the credit bureau as well correct? Is there any one out there that may know this answer?

    • EFX Moderator says:

      Thanks for posting. If you’ve spotted an error in your credit report, you can contact the associated credit reporting agency to initiate a dispute. Based on the investigation, the credit reporting agency will either update the current status of the disputed information or delete the item from your file. Keep in mind that even if you dispute the information, your creditors may say that the information they’ve reported is correct. Please take a look at this blog post for more information: http://blog.equifax.com/credit/how-do-i-dispute-information-on-my-credit-report/


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