The Equifax Credit Report Bureau

Your Equifax credit report contains information on how you have met your financial obligations. Only businesses and individuals who have a legitimate reason may request your credit report, unless you provide a written statement otherwise. You also have the option of receiving your own copy of your credit report.

Credit Reports

You can order your report directly from the Equifax Credit bureau and receive it online for immediate access at Equifax. You can also request your credit report by mail. You will need to provide the following information: Full name (including Jr., Sr., etc), Social Security Number, current and previous addresses within the last 5 years, date of birth, home telephone number, and signature. You can call or write for your credit report at:

Equifax Inc.
P.O. Box 740241
Atlanta, Georgia 30374

Credit Scores

If you are considering making a major purchase, such as a home or car, it pays to know what your credit score is before you apply for a loan. A person's credit score is a major determining factor in qualifying for a loan (both the amount of the loan you qualify for and the rate you receive). When you order your credit score from Equifax, you'll get online access to both your score and other tools. Also included is a credit score estimator (which lets you see what actions will affect your credit score) so you can make wise choices in paying off your debts.

Credit Monitoring

In today's fast-paced world, it can be hard to stay on top of everything. Equifax has developed a credit monitoring program that keeps track of your credit record. This can help stop possibly identity theft by alerting you whenever a credit account is opened in your name. They will send you an email notification within 24 hours of changes posted to the credit profile, providing an online history of all notifications and reports by date and the ability to dispute inaccurate information in your report online as well. They also have a toll-free dedicated customer service hotline. With this monitoring plan, you'll also be able to access your credit score anytime you want so you can track how it changes over time. Protect yourself, your reputation and your credit with credit monitoring.


If you need to dispute any information contained on your credit report, you can call the toll free number listed on your report, or write to:

Equifax Credit Bureau
P.O. Box 740256
Atlanta, GA 30374-0256

Opt Out

Credit bureaus provide information to potential creditors who offer pre-approved credit. If you prefer not to receive such offers, you can call 1-888-5 OPT OUT, or ask the Equifax credit report company to remove you from their direct marketing list. Send your request to:

Equifax Inc.
P.O. Box 740123
Atlanta, GA 30374-0123

Include your complete name, full address, Social Security number, and signature. The Equifax credit report bureau will remove your name from "pre-approved credit card orders," and share your request with the other two major credit reporting agencies.

Below, you can find other relevant information on credit bureaus: