Equifax FCRA – Free Consumer Equifax Credit Report
Checking your Equifax FCRA credit report can save you thousands of dollars annually in lower interest rates and decreased premiums through lenders. While it’s common for people to have a few late payments on their Equifax credit report, it’s important to take the necessery steps to keep the highest credit ratings possible in order to get the lowest rate on home loans, auto loans etc.
With the proliferation of identity theft and credit fraud, plus the fact that errors in a person’s credit report file can be common, it’s important to check your Equifax/FCRA credit report regularly. Your Equifax credit report access features protection from each of the three major credit reporting agencies Equifax, Experian and Transunion. www.Equifax.com/FCRA
What Can You Do To Improve Your Equifax Credit Report Scores?
A simple way to improve credit profile ratings is to use your oldest credit cards more frequently when possible. Many times if you haven’t been using a card the credit card company will stop reporting it to the credit bureaus. www.equifax.com fcra
Be careful to avoid common pitfalls that can unknowingly hurt your overall credit risk Equifax credit report ratings. Never close an account prematurely, or ask a creditor to lower your limit. Don’t miss payments or make any payments late. This can negatively impact your credit ratings more than you might think. Equifax.com/FCRA
Income notwithstanding, we are unfortunetely judged almost solely on the basis of the information contained in our Equifax FCRA credit history reports. It therefore makes sense to ensure that your file contains accurate information and the highest possible credit ratings are maintained.
Click Below for Your Equifax FCRA Credit Report & Scores - Delivered Directly Online in an Easy to Read Format.
Several aspects of how Equifax FCRA is designed to help consumers
Access your credit report upon request – The major credit reporting agencies such as Equifax FCRA must give you access to the information in your credit profile if you request it. Simply provide Equifax FCRA with proper identification. By accessing your Equifax credit report it allow you to monitor your credit file regularly. www.Equifax.com/FCRA
Limit access to your information – The major consumer reporting agencies such as Equifax FCRA are not allowed to provide your report information to any entity that lacks a permissible purpose, such as in the case of evaluation for a loan, credit, service, or employment. These permissible purposes also include business and any legal uses.
Getting consent prior to providing your credit information to any employer – The major consumer reporting agencies are not allowed tp provide your Equifax credit report and score information to any employers or potential employers unless you have first given said employer express written permission to request your credit profile and report.
They must investigate disputed or false information – If you tell a consumer reporting agency that your Equifax credit report contains inaccurate information, the agency must promptly investigate the matter with the source that provided the information. equifax.com/fcra
Disclosing your Equifax credit report scores to you upon request – You have the right to request your credit report and credit score as well as your complete credit report file as reported by Equifax FCRA.
Your Equifax credit report and current credit scores are a very important collection of information about you. They include all of your personal identification information, such as your Social Security #, your past date of birth, your current and past home addresses, as well as your any employer information. Your Equifax credit report also provides present and past loan information, credit cards issues in your name, home loans and any other credit history debts. Equifax FCRA also discloses the current status of those accounts, whether the accounts are up to date, the accounts are overdue, paid in full, or are in a state of collections.
Any of your public credit history records such as liens filed in your name, judgments against you, bankruptcies in your name, even any convictions filed against you are also recorded in your Equifax credit report. Your past and current credit history will register the full severity of any of your overdue accounts, whether they are 15, 30, 60 or more days delinquent, or whether or not they have been charged off by the creditor.
Click Below for Online Access to Your Equifax FCRA Credit Report & Scores – Free to All Consumers
An Equifax FCRA report is widely regarded as one of the most thourough. But what can your Equifax credit report really do for you? How can it help you restore your credit score and clear up your past credit history?
Well, to start, let’s take a look at exactly what your Equifax credit report actually entails. FCRA is short for Fair Credit Reporting Act. This is a federal law that essentially regulates and allows a credit organization to collect detailed information on a given consumer. Overall, the purpose of the FCRA act is to enable such organizations to give consumers credit scores with which to simplify and protect lenders and creditors when giving out loans or mortgages.
A number of financial lenders and creditors uses this act to acquire your score in order to help determine your overall risk and liability when it comes to borrowing or offering you a loan. If, for instance, you wished to get a loan for a new car, a bank could use Equifax FCRA credit report to acquire your credit score and would then base your interest rate on said score.
Accessing your Equifax FCRA report is both simple and easy. If you’d like to access your Equifax/FCRA report then simply click belowto get started. Once you acquire access to your Equifax credit report, you’ll not only be able to see your credit score (which will range from 280 all the way up to 850) but also your complete credit history report– including all of your financial history and any past due or delinquent payments you still owe.
With access to your www.Equifax.com/FCRA report, you can then get started with restoring and repairing your credit score if need be. In a world so reliant upon one’s credit score for things such as loans, mortgages and credit cards, it would be in your best interest to do everything you possibly can to try and acquire the best score possible.
In addition to seeing your credit score and history, your Equifax FCRA report will also allow you to take a look at any and all activity regarding your credit and financial records. Utilizing your Equifax credit report is also important in order to help clear up delinquent and/or past-due accounts.
Every US citizen over the age of 18 has a credit score assigned to them by the major credit reporting bureaus. These scores were formuliated so as to standardize a way people could be evaluated for their credit and financial worthiness — mainly to cut back on risk on the financial/creditor/lender side of things.
FCRA was implemented as a federal law, as stated above, by the US Government. So what is an Equifax FCRA credit report? Well, in addition to informing you of your current credit score, Equifax FCRA reports also give you access to your credit and financial history. Credit scores range from 280 to 850, with 280 the worst possible score you could possibly have and 850 the best possible one you can possess.
In addition to the obvious benefits of knowing your current credit score, your Equifax credit report can also help arm you with the knowledge and documentation with which to get your credit score and history on the fast track to restoration. In the current financial and economic world that we live in, credit – for better or worse – is an integral part of practically every part of our lives.
The fact of the matter is, you simply cannot get by these days with a poor credit score. Thankfully, resources such as your free Equifax.com/FCRA report are here to help you and bring your credit score back up to respectable levels.
The very first thing you should do when initially accessing your Equifax FCRA report is to ensure that all of your personal and contact information is correct. Quite oftern, whenever there has been identity or credit card theft of any kind, this information is not accurate and can provide an easy red-flag that you’ve been targeted for the crime. If you do see any differences or inaccuracies while accessing your Equifax credit report, contact the financial or creditor institutions listed in your report immediately. You’ll be connected to identity theft specialists who will be able to assist you going forward in clearing things up.
While some banks and/or financial institutions do offer loans and credit cards to consumers with poor credit, it’s most certainly not ideal when you consider the interest rates you’re charged with to help balance your poor financial and/or credit history. Your best bet is to utilize your report in order to restore your credit score and history.
There really is no better way to get your credit and financial worthiness on the fast-track to restored success than with your free Equifax credit report. Your monthly and annual payments will thank you for it!