Smith Collection/Gado/Getty Images

Equifax to offer free credit reports and scores to consumers every month

You can opt in to the company’s Core Credit program to keep current on your credit standing


Now consumers can get free credit reports — and scores — each month from Equifax. Find out how.

The content on this page is accurate as of the posting date; however, some of our partner offers may have expired. Please review our list of best credit cards, or use our CardMatch™ tool to find cards matched to your needs.

Equifax will now provide consumers with both a free Equifax report and VantageScore credit score each month.

The credit bureau announced Aug. 27 it is offering this service through its new Core Credit program, in addition to the yearly free report it must provide to all consumers.

The new program is available via the company’s online portal, myEquifax.

“The feedback we continue to receive from consumers is they want the ability to conveniently access their Equifax credit report and credit scores – for free,” said Dann Adams, president of Equifax Global Consumer Solutions, in a press release.

See related:  Why did I get charged for my ‘free’ credit report?

myEquifax enables consumers to manage their credit information

Anyone 18 years of age or older can visit myEquifax and create an account.

You can use the account to file a dispute, manage fraud alerts or a security freeze and opt into the Core Credit program to get your monthly free Equifax credit report and VantageScore 3.0 credit score.

You don’t need a credit card to sign up for the Core Credit program. When you opt in, you’ll receive educational information from Equifax with tips on how to manage your credit.

“We believe that offering a credit report and credit score isn’t enough,” Adams said. “Credit can be complicated, and that’s why we’re making sure that people who opt in to Core Credit have access to educational information about credit, credit reports, credit scores and identity theft protection,” he added.

Free credit reports and scores are already widely available

Ted Rossman, industry analyst at, noted that Equifax isn’t the only company that offers free credit reports and scores – many credit card issuers, lenders and other financial services companies do the same.

“It doesn’t hurt to sign up for Equifax’s new offering, but chances are, you already have access to very similar information elsewhere,” he said.

The company’s decision to provide the free monthly report and score comes after it reached a $671 million settlement in July 2019 regarding its data breach in 2017. The breach affected approximately 147 million consumers.

In addition to setting up a $425 million consumer restitution fund to pay for credit monitoring from all three bureaus for those affected by the breach, Equifax agreed to provide all U.S. consumers with six free annual credit reports for seven years, beginning January 2020 – again, in addition to the one free annual report it offers.

Editorial Disclaimer

The editorial content on this page is based solely on the objective assessment of our writers and is not driven by advertising dollars. It has not been provided or commissioned by the credit card issuers. However, we may receive compensation when you click on links to products from our partners.

Credit Card Rate Report
Cash Back

Questions or comments?

Contact us

Editorial corrections policies

Learn more