Equifax is one of the three major credit reporting agencies. Equifax is based in Atlanta, Georgia and is easily accessed via the Internet. Equifax collects, stores and provides information about your credit history.

Equifax Credit Reports
An Equifax credit report can be obtained online through the Equifax site, as can a variety of both personal and business credit report services.

An Equifax credit report is used by landlords and others, in addition to those of the other two major credit reporting agencies, to make tenancy and credit decisions about potential renters. Aside from the obvious uses in determining credit worthiness for credit cards, mortgages, and car loans, the information from the Equifax report may also be used by some utility companies, student loan providers and insurance providers.

Check Your Credit
Having a current, up-to-date Equifax report can be a valuable tool in helping you keep a close watch on your credit status, preventing any credit reporting errors that may have a long-term effect on credit status.

You May Qualify for a Free Credit Report
The Fair Credit Reporting Act entitles you to a free credit report if you are:

  • Unemployed and intend to apply for employment within 60 days;
  • Receiving public welfare assistance;
  • A person who believes your credit file contains inaccurate information due to fraud; or
  • A person who has been denied credit or insurance in the past 60 days.








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