How to Obtain a Free Equifax Credit Report by Phone in Georgia

When Equifax reports information that causes you to be denied credit, insurance or employment, you have a right to request a free copy of your report. This right falls under the FCRA (Fair Credit Reporting Act). To receive a credit report directly through Equifax, you must be denied credit within the last 60 days. Once that 60-day limit expires, Equifax will charge you for the report. To save time, you don't have to mail a request for your Equifax report. You can make your request over the phone.

Instructions

1. Call the Equifax automated system at [phone]. You must use a touch-tone phone when calling this number.

2. Listen to the prompts. Select Option 1, followed by Option 2.

3. Provide the information requested by the automated system. You will be asked to enter the numerical portion of your street address and your Social Security number. Next, you will be asked for your complete address so your report can be mailed.

References

• Equifax: Contact Us
• Equifax: One Free Credit Report Every Year
• Federal Trade Commission: Fair Credit Reporting Act