An Equifax free credit score report is a most useful tool if you want to find out where you are in terms of credit standing. More importantly, the report is commonly used by different credit agencies when making a decision on whether or not to extend a requested credit to a given lender. In this regard, high credit scores, as indicated in a given credit report, will normally serve you in good stead.
Getting that Equifax free credit score report should not be too hard to do. This is because, under US laws, consumers are entitled to get their credit report copies free of charge once every year from the three major players in the credit reference industry, namely, TransUnion, Experian, and Equifax. Assuming that you have not received your copy of the said report for a given year, you can then make the corresponding request from the credit agency where you currently have an active account.
In the case of Equifax, you can get your Equifax free credit score report through its new product called the Credit Score Card. The said product is not for sale so you need not really make any payment. Similarly, Equifax did not set the Credit Score Card as a trial product; hence, customers need not really worry that there might be a trial period when availing of this product, after which they will be asked to subscribe for the service.
In return for the free service, Equifax will provide you access to your very own Equifax free credit score report carrying important personal credit information like your credit rating range as well as the factors influencing this negatively. Additionally, an explanation on how the factors act upon your scores is given. Customized Equifax products that can help you track, protect, and manage your credit more effectively are likewise included in the report.
This particular aspect of the Equifax Credit Score Card has given the impression among several consumers that getting a credit report carries a price. Still, the customized Equifax products are merely being recommended by the agency especially in the case of those who appear to be having difficulty handling their credit. The intended customer is not being pressured into buying any of the products and he is still given the freedom not to order for even a single one.
If you are interested in getting your Credit Score Card, you simply need to register online via the Equifax website. A few personal information will be requested in order to complete the registration, but Equifax assures that credit card details need not be provided. Once registration has been completed, members can get to view their respective Credit Score Card for one whole month.
The set-up has been a source of contention among many Equifax subscribers as there is the question of what happens to the credit report after 30 days. The fear is that after one month, the report may no longer be available which is unfortunate, especially if you suddenly find that after several months, you need to see the report again.
There is likewise the issue of the online system used when trying to access your Equifax free credit score report. Several users have found this difficult to navigate as it often takes them to another link, further delaying access to the requested data.
