How often should I check my credit report with Equifax?

It is generally advisable to check your credit report from Equifax at least once a year to stay informed about your credit history and to ensure that all information is accurate. However, if you are in the process of applying for a significant loan, such as a mortgage or an auto loan, it may be prudent to check your report more frequently during that time. Additionally, if you suspect any fraudulent activity or identity theft, you should review your credit report immediately. Consumers are entitled to receive one free credit report each year from Equifax as part of their rights under the Fair Credit Reporting Act. You can utilize this opportunity to review your report carefully for any discrepancies or unfamiliar accounts. If you find any inaccuracies, it is important to address them promptly to maintain a healthy credit profile. For regular monitoring, some individuals choose to sign up for credit monitoring services, which can provide alerts to changes in their reports. It is wise to visit the appropriate Equifax webpage for more details on how to obtain your report and information regarding credit monitoring services.