Reviewed My Equifax Credit Report

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Since the passing of the Fair and Accurate Credit Transaction Act (FACT) at the end of 2003, everyone can get a free copy of their credit report from each of the reporting agencies. In Maryland, this was always possible but you had to navigate the individual credit agency sites to find the free report link. Now, all you do is visit and select which (or all) the agencies you want a report from. A common strategy that I use is to stagger my reports every four months so that I get a pretty accurate snapshot and can catch any fraudulent activity within 4 months. It’s not as good as paying the money and getting a constant view of what happens on a daily basis but as a free option it’s pretty good.

I reviewed my Equifax credit report and didn’t find anything particularly surprising. There was an old American Eagle credit card that I had closed because of inactivity but that wasn’t reflected in the report. Equifax’s dispute system is easy to use and I reported the account as being closed so it should be a small matter to settle. There was also a listing for a GECapital Line of Credit and I don’t recall ever opening that, or needing it, so I reported that as an error.

I suggest you print out your report (mine was a ridiculous 49 pages) since the agency is only required to provide the report once. If you close the window, it’s gone.

{ 9 comments, please add your thoughts now! }

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9 Responses to “Reviewed My Equifax Credit Report”

  1. CK says:

    Only 18 pages here. Jim, I feel like a failure in your 49 page shadow.

  2. jim says:

    Ha, I didn’t mention it as a badge of courage or anything… it’s because of all the cards I’ve opened up and cancelled for bonuses back in the day (otherwise known as college before I left fake information).

  3. Cap says:

    with experian, you can save the credit report number and look it up again for 30 days.. the best part is the when you check the report again, it will be a daily updated report.

    for transunion, when you want to see the report again.. all you’ll see is the same report for the day you requested.

    and yeah I guess for equifax you can’t even view it again.. gotta print it out…

    I’m going to check mine soon too!

  4. FMF says:

    CK —

    Don’t feel bad. It’s probably reports on all those free t-shirt cards he applied for.

    Jim —

    Good for you. I’ve been meaning to do this to, but have been too preoccupied on…you know.

  5. Wow. 49 pages. That’s impressive. Unless, of course, it’s all black marks…

  6. CK says:

    Maybe to quell my inadequacy I’ll hit the mall and go from store to store opening store accounts ……..or maybe not.

  7. Cap says:

    ack I just checked mine and experian wont show me mine online. for “my” privacy reason, they wont tell me the reason too.

    darn. I love experian’s. now I’ll have to mail in identification and stuff just for a credit report. doesn’t seem it.. hmm.

  8. FMF says:

    It’s funny when companies protect you from yourself. Hopefully they’re as diligent when criminals are trying to get your stuff.

  9. Cap, do you have a fraud alert on your credit report?

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