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Free Credit History Report





Get your Credit History Report for free!
 

Here is an easy way to obtain your personal consumer credit history at no cost and a way to improve it.


Requires you filling in a form and mailing or faxing this form to Equifax - allow 2 weeks for delivery of results back to you.


1. Simply mail or fax the Request Credit History form below to the address/fax number on the bottom of the form.

2. After you review your report, use the Credit Update Form below to correct your credit rating and, hopefully improve your credit rating.

Note: Your Credit Score is not included in the free Credit History Report. See more info about the Free Credit Report

A Sample Report is provided below.


 

In a hurry? More detailed reports available instantly, for a fee, online:

1. Your Credit Score & History is available from Equifax, among others, for $23.95 ($Cdn) and can be obtained instantly online (email). The example below shows both a History and a Score and explains what they mean. 

2. Your History Report, without Credit Score is available online (email) from Equifax for $15.50 ($Cdn).

You may access the reports below with no obligation or cost or fear of phone calls if just let us know you want the privacy - Add "no contact" to comments below.

ONLY YOUR EMAIL IS REQUIRED TO SEND YOU THE REPORTS - Other info is optional! BE SURE TO UNCHECK OPTION FOR EMAIL UPDATES (last line below after all the reports) IF YOU DO NOT WANT THESE informative emails from me. Our policy: This is a no-hassle website - you initiate contact when you want to and no sooner.



Consumer Credit Report: What's On It

Good article explaining the ins & outs of credit ratings and how to protect yourself. Likely a few surprises in here for most people, for example; UNUSED credit cards might hurt your credit rating. 3 pgs, Word doc.

Credit Update Form

This form will allow you to correct any missing or wrong information about your credit history or current status (loans, income, marital status, etc.) 1 pg, PDF.

Request Credit History Form - Free

Find out what your personal credit history is like before you make your next major puchase or need a new loan. Correcting any wrong information that has lowered your score may mean the difference between getting a loan or not, or getting a better rate. You need to mail this 1-page form to Equifax and wait 5-10 days for their reply. In a hurry, use the online reports. 1 pg; PDF


First Name: 
Last Name: 
Email: 
Phone: 
Comments: 
  * * Maximum of 2000 characters



Sample of a Credit Score & A Credit History Report


Sample only - THIS IS NOT YOUR REPORT

History + Score Report Available online - $23.95
Please note that your free Credit History Report will not include a Credit Score and you need to fill out a paper form and mail it to Equifax. As explained above, a Credit Score Report can be purchased seperately and online from 
Equifax for $23.95. It will contain a History and a Score combined. 

History Report Only (No Credit Score) Available online - $15.50
If you are in a hurry for a Credit History Report, you can obtain reports online  (without the Score Report) for $15.50 from 
Equifax .


Tips to Rapidly Improve Your Credit Score


Bump Up Your Credit Score in a Hurry - Planning to buy a home, refinace a loan or shop for a new car? Check your score and if you're not satisfied, use these tips to give it a lift.

 

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Features
Your FICO® credit score  
Score analysis with tips on how to improve your score over time  
Your Equifax Credit Report
Immediate online access
Easy to read, printable format
Free online storage of your report for 30 days

 

When you apply for a loan for a home, a car or other major purchase, the lender will approve your loan and determine the interest rate you receive based upon several factors including your credit score. There are many types of credit scores, however the credit score used most by lenders is the FICO score. The FICO score, developed by Fair, Isaac and Company, Inc. is a number between 300 and 900 that lenders use to determine your credit rating. The higher your credit score the more likely you are to be approved for loans and receive favorable rates.
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