Equifax Now Offers Free Credit Reports and Scores through Core Credit

Equifax Now Offers Free Credit Reports and Scores through Core Credit

August 27, 2019         Written By Lynn Oldshue

Today, Equifax launched a new program that allows consumers to access their credit scores and credit reports for free each month. Core Credit is now part of the myEquifax online portal, and offers monthly access to Equifax credit reports and VantageScore® 3.0 credit scores.

VantageScore is a credit scoring model that Equifax, Experian and TransUnion developed in 2006. This model has a slightly different scoring structure than FICO, but it maintains the same 300 to 850 score range. Many lenders use VantageScore to determine if applicants qualify for their products.

Accessing Core Credit does not cost any money. No credit card is required to sign up. Consumers 18 years or older can create an account through MyEquifax.com and access their credit information.

Additionally, myEquifax can be used to file a credit report dispute or manage security freezes on accounts. Equifax provides educational information consumers can use to improve their credit scores and strengthen their credit portfolios.

This development may be a byproduct of the recent Equifax data breach settlement. In that, Equifax promised all U.S. consumers access to six free credit reports per year for the next seven years. They also agreed to pay up to $600 million in reimbursements for credit monitoring services and other costs consumers endured after the breach, plus $100 million in civil penalty fees.

The information contained within this article was accurate as of August 27, 2019. For up-to-date information on any of the terms, cards or offers mentioned above, visit the issuer's website. Many of the offers on this article are from our affiliate partners, and LowCards.com may be compensated if you take action with any of our affiliate partners.

Review LowCards.com Editor’s Top Cards!

2020 Top Credit Cards by Category
Featured Fair Credit Card
Reflex Mastercard® Credit Card
EDITOR RATING
Featured Fair Credit Card
Reflex Mastercard® Credit Card

Applying for this card will securely direct you to the issuer's website.

Top Features: All credit types welcome to apply!

Featured Low Interest Card
ABOC Platinum Rewards Mastercard®
EDITOR RATING
Featured Low Interest Card
ABOC Platinum Rewards Mastercard®

Applying for this card will securely direct you to the issuer's website.

Top Features: No annual fee; $150 statement credit after spending $1,200 in first 90 days; 0% on Purchases for 12 months

Featured Bad Credit Card
First Digital NextGen Mastercard® Credit Card
EDITOR RATING
Featured Bad Credit Card
First Digital NextGen Mastercard® Credit Card

Applying for this card will securely direct you to the issuer's website.

Top Features: Reports to all three credit bureaus, perfect credit not required for approval

Featured Bank Account
Unlimited Cash Back Bank Account by Green Dot
EDITOR RATING
Featured Bank Account
Unlimited Cash Back Bank Account by Green Dot

Applying for this card will securely direct you to the issuer's website.

Top Features: Unlimited Cash Back Rewards


lynn-oldshue

About Lynn Oldshue

Lynn Oldshue has written personal finance stories for LowCards.com for twelve years. She majored in public relations at Mississippi State University.