The Equifax free credit report may be one of the most popular free credit reports in existence. The Equifax free credit report can help you determine who else has been looking at your credit history. An Equifax credit report can also help prevent from you becoming the victim of identity theft and credit fraud. Look around and find out if you can get an Equifax free credit report. If you were denied for a loan, then it is your right to get an Equifax Free Credit Report. Here is some more general information about credit reports.

Is An Equifax Free Credit Report for you?

Your Equifax credit report will include such information as:

• Your address, present and past
  
  
• Outstanding debts
  
  
• Record of payments (e.g. regular, late, missed)
  
  
• Public record information such as liens, or court judgments against you
  
  
• Your employer’s name and address
  
  
• General information such as your Social Security number, and marital status

Keeping track of your credit history is a very wise move. Sending for your Equifax credit report twice a year, will keep you current on what has been recorded about your credit transactions. It will also show you if there has been activity in any of the following areas:

• Credit fraud: Where someone uses your credit card numbers to run up large bills. While the law protects you with a maximum payable of $50 for each card that has been stolen, the unusual credit activity may red flag your file for some lenders.
  
  
• Identity theft: When someone takes an account number and/or personal information, and begins opening other accounts and running up bills you did not authorize.
  
  
• Inquiries made: Every time you apply for any kind of loan or credit, the potential lender makes an inquiry, which is noted on your credit history. If you apply repeatedly, or to several institutions at a time, it can make lenders wary of your credit history. You need to be sure that all inquiries were legitimate results of your own requests, and not unauthorized, which may mean the inquirer broke the law.
  
  
• Inaccurate entries: The human error factor has not been eliminated by the use of computerized records. Data can be entered incorrectly, or information from another file may be posted to yours. Payments made, may not be recorded. Checking the CRAs’ records against your own, will point out any inconsistencies.
  
  
• Payment record: If you are regularly mailing payments, you may be unaware that there are problems in the mail delivery system. Repeated late payments, and possibly even missed ones, may be lowering your credit status. Make sure all payments are present and accounted for.