Is Equifax free?

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Equifax offers multiple hassle-free options to access your free credit report in Canada—online, by phone, mail, or in-person. However, if you’re curious about your credit score, it’ll cost you $11.95. So, while your report is complimentary, remember there’s a fee for your credit score. Reach out via phone, text, or live chat if you have any questions.

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Equifax Free Question

Is Equifax free? I’ve heard about Equifax and wonder if I can get my credit report without paying. I want to know if their service is free or if I have to spend money to see my score.

From: Anonymous Question
Location: Burnaby, British Columbia (BC)
Category: credit rebuilding

Equifax Free Answer

In Canada, Equifax makes it easy to get your hands on your free credit report. You can jump online and create a myEquifax account, give them a ring at 1-800-465-7166, pop your request in the mail with some ID, or even swing by one of their offices to pick it up in person. While checking out your credit report won’t cost you a dime, be aware that if you want to get your credit score, that’ll set you back $11.95. So, no worries about any fees for the report itself, but there’s a small price tag attached to your credit score.

From: Insider Adam

Office of the Superintendent of Bankruptcy (OSB) Answer

Equifax does provide consumers access to their credit report for free once a year, as stipulated in the Consumer Reporting Act. You can obtain your credit report without paying for it, but you may need to pay to access additional services or simultaneous credit scores. For full details, you may refer to the Consumer Reporting Act, which outlines the rights of consumers in relation to their credit reports.

From: OSB Helper

Related Questions to Getting Equifax Free

Here are the top 5 most frequently asked questions related to the query “Is Equifax free?” based on the context of Canadian data and current trends:

1. How can I get a free credit report from Equifax?

You can request a free credit report from Equifax online, by phone, by mail, or in person, providing the necessary identification and address verification[3][5].

2. What documents do I need to provide to get a free Equifax credit report?

You need to provide at least two pieces of government-issued identification and proof of your current address, such as a driver’s license, passport, and a utility bill or bank statement[1][3][5].

3. How long does it take to receive a free credit report from Equifax?

It typically takes 5-10 days to receive your free credit report from Equifax if you request it by mail or phone[1][3][5].

4. Do I need to provide my Social Insurance Number to get a free Equifax credit report?

Providing your Social Insurance Number is optional but helps ensure the correct information is disclosed to you[1][3][5].

5. Can I access my Equifax credit score for free?

While you can access your Equifax credit report for free, accessing your credit score may require additional steps or a paid service, though some services offer it for free under certain conditions[3][5].

If you have a question about debt see our debt questions or ask your own debt related question.

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