It may just be me, but I was not able to get the free report from Equifax either. I went through the online process and then got an error stating that they couldn't process my request online and to send some ID info to them with the paper form. I sent that information in and then they sent me a letter stating that I already got my free report. I don't trust Equifax very much -- it doesn't help that I work in the mortgage servicing industry and have seen some big errors on their end...

-Rich

freeforfrank said:doerrb said:www.annualcreditreport.com - Get your truly free credit report from here.

If you need to create an account, create an account. You don't need to pay them to do so.

They will try to sell you stuff as you register. Just don't click 'purchase' on any of it, don't give them any payment information, and you should be fine.

No, you have to purchase something to become member, then you can log in.
Equifax sucks.
maybe on other sites but not if you go in thru the above link

The Fair Credit Reporting Act (FCRA) mandates that each of the credit bureaus MUST provide you one free copy of your credit report per year.

Use the link I listed above. You do not need to pay a cent to Equifax.

freeforfrank said:doerrb said:The Fair Credit Reporting Act (FCRA) mandates that each of the credit bureaus MUST provide you one free copy of your credit report per year.

Use the link I listed above. You do not need to pay a cent to Equifax.

I did. I follow every step and get to the page that show ""View and Print Your Online Report". After I clicked the link, it asked me to log in.
Not sure what you are doing wrong but I just tried, Filled my personal info then the verification and got the following because I already used my freebie this year, never asked for a log in

Our records indicate that you received your annual free Equifax Credit Report on 10/27/2006.The FACT Act provides you access to your Equifax Credit Report at no charge once every 12 months. If you were unable to view your report online, or unable to complete the online authentication and would like to request another copy of your file at no charge, please complete the form below and mail it to us. If you would prefer to request your file via telephone please call the annual credit report automated report ordering system at 1-877-322-8228.

freeforfrank said:I tried to order a free credit report through Equifax. However, when I click the link "View and Print Your Online Report", the site ask me to log in. But I don't have a user id and password with them. How can i see my report?
According to their website, I have to purchase their products to get registered. Is that true? I can't even find a phone number or email address to contact their customer service. Anyone can hlep?

If you are getting this b/c of a recent decline, adverse action, looking for gainful employment, etc (basically, eligible free reports through the FCRA) go to http://www.equifax.com/fcra This will let you download it for free rather than requesting it by phone or mail.

Keep in mind this is DIFFERENT than the regular, one free report per year per bureau thing.

orangecrushv said:It may just be me, but I was not able to get the free report from Equifax either. I went through the online process and then got an error stating that they couldn't process my request online and to send some ID info to them with the paper form.



Same here.

What I find is they are willing to give you a free credit report but if you want to know your score then you have to pay - both requiring you to sign up and confirm identity.