#how to get a free credit report
How To Get A Free Equifax Credit Report Mailed To Me
February 1st, 2013 | Author: Stephanie
[E]quifax is one of the three major credit reporting agencies in the United States and was founded in 1899. In the not-so-distant past, it was difficult to pay to see a credit report let alone get a copy for free. You can get a complimentary copy of your Equifax credit file online. Because the files can be dozens of pages long, some people prefer to learn how to get a free Equifax credit report mailed .
Under the 2003 Fair and Accurate Credit Transactions Act (FACTA) amendment to the federal Fair Credit Reporting Act (FCRA), each American can get one free credit report each year. You can get individual copies of your Equifax, Experian, and TransUnion reports. If you wish to have an Equifax report mailed to you and have not requested a free credit report under your FACTA rights in the last 12 months, you can call 877-322-8228. Alternatively, you can write a letter with your full name, date of birth, current address, and Social Security number and mail it to the following address:
Annual Credit Report Request Service
If you are not entitled to a free credit report through FACTA, you can still try to obtain a free Equifax credit report. Circumstances under which you can get additional free credit reports include possible identity theft, a recent rejection of a credit application with a company that checked your Equifax report, denial of employment, or if you plan to apply for new employment. To try to get a complimentary Equifax credit report mailed to you. call the company directly at 800-685-1111.
Whether you call the Annual Credit Report Request Service or Equifax, the company’s customer service representative must verify your identity. Generally, you answer two to four multiple choice questions regarding your current or past accounts, past addresses, and relatives. If you cannot sufficiently prove your identity over the phone, you will have to mail a copy of a government-issued identification card before you can get a free report in the mail.