The United States federal law requires every American to be able to get free credit report from the credit reporting agencies like Equifax. Equifax Inc. also known as Equifax which is a consumer credit reporting agency and it is one of the largest American credit agencies. Equifax is global service provider having 400 million credit holders worldwide and based at United States.

The agencies like Equifax, Experian and TransUnion will provide free credit report for every 12 months. Upon the individual request, Equifax and other agencies deliver report and it is valid compliance under Fair and Accurate Transaction Act (FACT). Credit report not includes credit scores. The provided credit report does not provide checking or savings accounts, bankruptcies for more than 10 years old. All generated information will be kept for two years by Equifax as it is mandatory under The Fair Credit Reporting Act i.e. FCRA.

As Equifax, Experian and TransUnion are nationwide consumer reporting companies, a centralized and website also established namely www.annualcreditreport.com where the persons can apply and receive free credit reports from Equifax and other agencies.  Free Credit report also known as annual credit report and it can be requested with the Annual Credit Report Request service, P.O.Box 105281, Atlanta, GA 30348-5281 or call at 1-877-322-8228.

Any person who has business relation with Equifax able to access the copy of Equifax credit report. However, Equifax credit report can also be provided to a third party in order to fulfill the court order or other legal procedure. The subjected credit report is to be used to track the financial history. The free credit report issued by Equifax will also be useful while getting credit card, loan, and mortgage. The chances of getting job also depend upon the credit report issued by Equifax. The creditors and employers make decisions by using the credit reports issued by the agencies like Equifax.

In order to get Equifax free credit report, the intending applicant must apply with the agency by providing information like name, address, social security number, telephone number etc. The application can be filed with Equifax website or over phone at (888) 685-1111 or 1-800-685-1111 and even can be accessed through online. No charge is levied by Equifax for issuing Credit report, yet charges are levied on credit score which is an optional product. The official website of Equifax is www.equifax.com. Out of other agencies i.e. Experian and TransUnion, Equifax has more familiar and popular with highest rank.

NOTE :

Eqifax Free Credit Report – It is spelling mistake, Equifax is to be used instead of Equifax. Eqifax Free credit report will be available by using Equifax and not Eqifax.  Free Credit Report is accessible by using Equifax and not Eqifax.