Equifax lift credit freeze4/1/2024 Visit our dispute page to learn other ways you can submit a dispute.We are an independent, advertising-supported comparison service. At Equifax, you can create a myEquifax account to file a dispute. You can also file a dispute with the credit bureau providing the credit report. If you see account information that you believe is inaccurate or incomplete on your credit reports, contact the lending company directly. Do the account balances, credit limits, and payment history look accurate? Is there account information listed that you don’t believe is yours? In addition, make sure your account information is accurate and complete. When checking your credit report, it’s important to make sure all your personal information, such as your name and addresses, is accurate and there isn’t information you don’t recognize. A VantageScore is one of many types of credit scores. In addition, you can click "Get my free credit score" on your myEquifax dashboard to enroll in Equifax Core Credit™ for a free monthly Equifax credit report and a free monthly VantageScore® 3.0 credit score, based on Equifax data. You’re entitled to a free copy of your credit reports every 12 months from each of the three nationwide credit bureaus by visiting You can also create a myEquifax account to get six free Equifax credit reports each year. Find out more information on hard inquiries and your credit. This multiple-hard inquiry exception generally does not apply to credit cards. ![]() That allows you ample time to check different lenders and find the best loan terms for you. Hard inquiries do affect credit scores, but if you’re making a large purchase - such as buying a house or securing a mortgage - and shopping around for the most competitive rates, multiple hard inquiries are generally treated as one hard inquiry for a given period of time, typically 14 to 45 days. Those occur after you have applied for a loan or a credit card and the potential lender reviews your credit history. The other type of inquiry is a “hard” inquiry. They are visible to you and will stay on your credit reports for 12 to 24 months, depending on the type. Soft inquiries do not affect credit scores and are not visible to potential lenders that may review your credit reports. ![]() Other types of soft inquiries result from companies that send you promotional credit card offers and existing lending account reviews by companies with whom you have an account. ![]() ![]() When you request a copy of your credit report or check credit scores, that’s known as a “soft” inquiry. Impact of soft and hard inquiries on credit scores In fact, regularly checking your credit reports and credit scores is an important way to ensure your personal and account information is correct, and may help detect signs of potential identity theft. Good news: Credit scores aren't impacted by checking your own credit reports or credit scores. Many people are afraid to request a copy of their credit reports – or check their credit scores – out of concern it may negatively impact their credit scores. Hard inquiries in response to a credit application do impact credit scores Regularly checking your credit reports and credit scores is a good way to ensure information is accurate Checking your credit reports or credit scores will not impact credit scores
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