Have You Pulled Your Credit Report Yet?
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In addition to keeping in the financial know, you may be interested in checking your credit score and report.
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.
³Equifax Credit Report Control™ is only available while you have a current subscription to Equifax Complete Premier. Locking your credit file with Equifax Credit Report Control will prevent access to your Equifax credit file by certain third parties, such as credit grantors or other companies and agencies. Credit Report Control will not prevent access to your credit file at any other credit reporting agency, and will not prevent access to your Equifax credit file by companies like Equifax Personal Solutions which provide you with access to your credit report or credit score or monitor your credit file; Federal, state and local government agencies; companies reviewing your application for employment; companies that have a current account or relationship with you, and collection agencies acting on behalf of those whom you owe; for fraud detection and prevention purposes; and companies that wish to make pre-approved offers of credit or insurance to you. To opt out of such pre-approved offers, visit www.optoutprescreen.com/.
4We will require you to provide your payment information when you sign up and we will immediately charge your card $4.95. After that, we will charge the card $19.95 for each month you continue your subscription. You may cancel at any time; however, we do not provide partial month refunds.
Equifax® is a registered trademark and Equifax Complete™ Premier is a trademark of Equifax, Inc. © 2014, Equifax Inc., Atlanta, Georgia. All rights reserved.
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:
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.
Equifax maintains this interactive forum for education and information purposes in order to allow individuals to share their relevant knowledge and opinions with other members and visitors. We encourage you to participate in discussions about personal finance issues and other topics of interest to this community, but please read our commenting guidelines first. Equifax reserves the right to monitor postings to the forum and comments will be published at our discretion. Do you have questions or comments about your Equifax credit report or customer-service issues regarding an Equifax product? If so, please contact Equifax directly. All opinions and information expressed or shared in blog comments are solely those of the person submitting the comments, and don't necessarily represent the views of Equifax or its management.