How Can I Get a Credit Report – A Step-by-Step Guide to Requesting Your Equifax Credit Report

How Can I Get a Credit Report?  You can get a free credit report every year from Equifax for free.  Below are step by step instructions on how you can get a credit report.

1.  Go to www.annualcreditreport.com (1), Choose Your State (2), and click on Request Report (3).

How Can I Get a Credit Report

2.  Fill in your personal information (1), enter the characters (2), and click Continue (3).

How Can I Get a Credit Report

3.  Choose Equifax (1) and click Next (2)

How can I get a credit report - Equifax

4.  Click Next (1) to leave the Annual Credit Report site and enter Equifax’s site to get your Credit Report

How Can I Get A Credit Report - TransUnion

 

5.  Enter the last four digits of your Social Security Number  (1) and Click To Continue (2).

How can I get a credit report - Equifax

 

6.  Wait for the Equifax system to retrieve your personal information.

 

 

7.  Now, comes the tricky part (sometimes).  You will need to answer “Out of Wallet” questions.  These questions are designed to protect your information and come from your credit report.   If you don’t answer these questions correctly, your credit report will be mailed to you and you will not be able to view it online – so don’t guess.  Answer your questions (1-4) and then click Continue (5).

How can I get a credit report - Equifax

8.  Next you will be taken to a page where they will try to sell you a credit score (X).  I tried this one year only to find out that it was not my FICO score that I received.  Instead it was a Equifax score that was worthless.  Skip this part and go to your credit report (1).

How can I get a credit report - Equifax

9.  You will now be taken to your credit report.  Make sure to read everything on the page and do the following:

  1. Look at your Accounts Overview (1).  This is a summary of all of your accounts.
  2. Review your Accounts Age (2).  This will tell you what are your oldest and newest accounts.  If someone has opened an account with your credit, you may see it here.
  3. Review your Potentially Negative Information Section.  Address anything that shows up here first.
  4. Make sure that you print your report (4) and review all of the information in your credit report.

How do I get a credit report - Equifax

10.  Sign up for my newsletter and you can get a reminder every year to check your Equifax report.  

 

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