Equifax is one of three credit bureaus used to report on consumer behavior in the United States. The organization collects information from banks, lenders and businesses regarding debts, lines of credit and court judgments sustained by consumers. The credit report and credit score maintained for your name and social security number will tell banks and other lenders and businesses whether you are trustworthy or high risk when you apply for credit or loans. You can receive one free copy of your credit report each year through

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Customers who have been denied credit within the past 12 months can obtain a free credit report by contacting the credit agency and completing an online process.A scoreless credit report that is free and filled with basic information is available to customers on an annual basis directly through the agency’s website.Contests are available through the company’s Facebook page.Purchasing a bundled package can result in substantial savings and help consumers protect themselves from fraud and identify theft.