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Equifax: Getting to Know Your Credit Reporting Agency

By Andy Snyder
Published: Sunday, October 11th, 2009

As you may know by now, Equifax is one of the three major credit reporting agencies where you can get your credit report from. As this company has control on what goes to your file, it is just normal that you learn the basic things about them.

One of the most basic credit report advice that you can get is to learn to understand your credit report. By doing this, you can prevent unnecessary and unwanted damages a small error can bring you.

This is why the government already made it possible for you to easily obtain your credit report regularly. Under the FCRA or the Fair Credit Reporting Act, you can gain free access of your report from the three major credit bureaus once every year. This means you can get a copy of each of your Experian, TransUnion, and Equifax once every twelve months. Apart from this, other reasons, like getting a job or after being a victim of identity theft, will also allow you to request for a copy of your report under the FCRA.

However, with the constant need to monitor your credit report, the different credit bureaus have also devised various ways to provide help to its consumers. Answering the golden credit report advice, and allowing the people have regular access on their files, Equifax has developed a good number of other products that will help its consumers.

One of its products makes the credit report advice of regularly monitoring your own credit report possible. Equifax’s credit report service, which you can purchase for $11, will allow you to easily view your report online for thirty days without hassle of requesting and waiting. It will also give you access to Equifax’s online dispute feature, where you can easily fix errors and get credit report advice in an instant.

Apart from this 24-hour access to your report, there are also a couple of other offers Equifax has in store for consumers, most of which provide instant credit report advice and easier monitoring of your file.

The company’s 3-in-1 Monitoring + FICO Score plan will allow you to receive alerts when there are key changes on your file, while letting you see your credit score and its movement at the same time. Available for $14.95 monthly, it might just be one of the best investments you can easily afford.

The Equifax ID Patrol is another handy product that can protect and give you valuable credit report advice to prevent you from being a victim of identity theft. With this service, you can easily lock and unlock your Equifax file, allowing you to control who can see it and when they can see it. It will also scan the web if your information has been used in malicious trading sites and will alert you whenever new activities come up in any of your three reports (including the TransUnion and Experian files).

You see, these credit bureaus are not only there to monitor and record your credit, they are also there to provide useful credit report advice and assistance.

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