How Do I Get My Equifax Credit Score?

Log in to your personal Equifax account, then navigate to the score dashboard to see your Equifax score.

1. Open a browser and go to Equifax.com.
2. Click Sign In at the top right.
3. Enter the email address and password you created when you first registered.
4. If prompted, complete the two‑factor check (code sent to your phone or email).
5. Once inside the portal, select Credit Score from the main menu.
6. Your current Equifax score (VantageScore 4.0 or FICO Score 8, depending on your product) appears instantly; the value updates roughly once a month.
7. If the score tab shows 'Subscribe to view' or 'Start free trial,' follow the on‑screen prompts to add a trial or purchase a subscription - your annual free credit report does not include the score.

(Next, see the section on using an Equifax free trial or subscription to pull your score for deeper options.)

You can pull your Equifax score instantly by starting the free 30‑day trial or by subscribing to Equifax's credit‑monitoring service.

• Activate the free trial on Equifax.com; it lasts 30 days and provides unlimited access to your Equifax score (the trial does not include the full credit report).
• If you need continuous access, enroll in the paid subscription (typically $19.99 / month); it updates your Equifax score monthly and lets you view it whenever you like.
• Cancel the trial before the 30‑day window ends to avoid the automatic charge for the paid plan.
• The score you see may be VantageScore 4.0 or FICO Score 8, depending on the product you choose; both are derived from Equifax data but use different algorithms.
• This method is separate from the free annual Equifax credit report, which omits the score and must be requested through AnnualCreditReport.com.
• After you've secured your score, you can compare it with scores shown in your banking app (see the next section) to ensure consistency across sources.

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You can view your Equifax score directly in most major bank and credit‑card apps, as long as the institution has partnered with Equifax for a consumer‑facing score. Open the app, tap the 'Credit Score' or 'Free Score' tab, and the dashboard will show the latest Equifax score, usually refreshed monthly. The score may be a VantageScore 4.0 or a FICO Score 8, depending on the bank's agreement, and it is separate from the free annual Equifax credit report, which does not contain a score.

• Log into your bank or credit‑card app and locate the credit‑score section (often under 'Rewards,' 'Insights,' or 'Account Summary').
• If prompted, opt‑in to the free Equifax score service; most issuers offer it at no extra cost.
• Check which scoring model is displayed; the app usually notes 'Equifax VantageScore 4.0' or 'Equifax FICO Score 8.'
• Remember the score updates about once a month, so recent activity may not appear immediately.
• Use the score as a quick health check, but request the full Equifax credit report annually for detailed dispute or error‑resolution work.

The only app that reliably shows your Equifax score is the one provided by The Credit People mobile portal.

• Sign up at thecreditpeople.com, verify your identity, and download the free app.
• Once logged in, tap 'View Equifax Score' to see a VantageScore 4.0 or FICO 8 model, depending on your profile.
• Scores update automatically each month; you'll see the latest figure without extra clicks.
• The app pulls data directly from Equifax, so the number differs from the free annual Equifax credit report, which contains no score.
• All personal information is encrypted; the service complies with federal privacy standards.

After checking your score in the app, you can move on to ordering your free annual Equifax credit report for a deeper look at the underlying data.

You can claim your free annual Equifax credit report online in just a few minutes.

1. Visit AnnualCreditReport.com, the only federally authorized site for the free yearly report.
2. Choose 'Equifax' when prompted, then enter your full name, Social Security number, and current address.
3. Answer the identity‑verification questions (these are based on your credit history, not a password).
4. Click 'Submit' to view the PDF instantly or select the mailed‑copy option if you prefer a hard copy.

The report you receive shows your credit history but does not contain your Equifax score. To see the score, use one of the methods discussed earlier, such as signing in at equifax.com or a third‑party app.

Fixing a failed Equifax ID check instantly restores access to your Equifax score. First, confirm that the name, address, and Social Security number you entered match exactly what Equifax has on file. Small typos, a missing middle initial, or an outdated address trigger the failure. Update your current address in the portal, then re‑enter the data. If you recently moved, add a recent utility bill or lease agreement as proof.

Clearing browser cookies or using a private‑browsing window can also eliminate cached data that confuses the verification engine.

If the ID check still fails, contact Equifax's verification team. Call the toll‑free line or submit a request through Equifax identity verification support, attaching a clear photo ID and a document that shows your name and current address.

Once they approve your identity, the portal will display your Equifax score, which updates roughly each month and is separate from the free annual Equifax credit report that does not include a score.

Equifax refreshes your Equifax score roughly once a month, usually after lenders submit new activity for the reporting period. The update appears as a new timestamp the first business day of each month.

New credit accounts, paid‑off balances, or hard inquiries can shift the score, but you won't see those changes until the next monthly refresh. Third‑party apps such as Credit Karma display an Equifax‑based score, but they pull the same monthly data set, so their numbers align with the official update schedule.

The free annual Equifax credit report you can request does not contain the Equifax score; it only shows the underlying account details. For a deeper dive into which scoring model (VantageScore 4.0, FICO 8, etc.) your view uses, see the next section. Equifax score update schedule

The Equifax score you see depends on the scoring model the provider uses, so first locate the model name or range shown with the number. Common models include VantageScore 4.0 (300‑850), FICO Score 8 (300‑850), and regional proprietary scores such as the Equifax Canada Score (0‑900) or Equifax UK Score (0‑700).

For example, on Equifax.com the dashboard labels the number as 'Equifax VantageScore 4.0 (300‑850)'. A major bank's credit‑card app might display 'FICO Score 8 (Equifax)'. In Canada, the Equifax portal shows 'Equifax Credit Score (0‑900)', while a UK banking app lists 'Equifax UK Score (0‑700)'. Third‑party services like Credit Karma present an 'Equifax VantageScore 4.0' and note the model in their help center.

Spotting the model name or range tells you exactly which Equifax scoring algorithm generated the figure, and separates the Equifax score from the free annual Equifax credit report, which contains no score.

• Open a secured credit card, deposit the required amount, and use it responsibly; on‑time payments are reported to Equifax and generate an Equifax score (What is a secured credit card?).
• Become an authorized user on a family member's primary credit card; the activity appears in your Equifax file and creates an Equifax score.
• Take out a credit‑builder loan from a credit union or online lender; monthly payments are sent to Equifax, building a scoring history.
• Enroll in a rent‑reporting service that sends on‑time rent payments to Equifax; consistent rent data adds to your Equifax file and triggers scoring.
• Keep any existing accounts open, keep balances below 30 % of limits, and limit hard inquiries; regular updates let Equifax recalculate your score each month.

Identify and dispute any Equifax credit report errors that are dragging down your Equifax score.

1. Get the report - Order your free annual Equifax credit report from Equifax.com; the report does not include the score, but it shows every tradeline the scoring models use.
2. Spot the mistakes - Look for incorrect personal data, accounts that don't belong to you, duplicate entries, outdated balances, or late‑payment dates that don't match your records.
3. File an online dispute - In your Equifax dashboard, click the item, choose 'dispute,' and attach proof such as a bank statement, creditor letter, or payment receipt.
4. Use mail if you prefer - Send a written dispute to Equifax's consumer‑dispute address, include copies of supporting documents, and keep a certified‑mail receipt for proof of delivery.
5. Track the outcome - Equifax must investigate within 30 days and report the result. After a correction, wait for the next monthly update to see the refreshed Equifax score; if the error remains, add a statement of dispute or request a re‑investigation.

(Proceed to 'Get your Equifax score in Canada or the UK' for regional specifics.)

You can obtain your Equifax score in Canada through Equifax Canada's portal and in the UK through Equifax UK's portal or approved partners.

In Canada, visit Equifax Canada's credit‑score page, create an account, and verify your identity with a SIN or driver's licence. A free 30‑day trial shows your VantageScore 4.0 instantly; after the trial, a monthly fee unlocks continued access. The score refreshes roughly every 30 days and appears in the same view as your Equifax credit report, which you can still request for free each year.

In the UK, go to Equifax UK's credit‑score site, register, and confirm your identity using a passport and National Insurance number. A free 30‑day trial gives you the Equifax Score 2.0 (derived from FICO 8 logic); a subscription follows for ongoing updates, also on a monthly cycle. Third‑party services such as ClearScore display an Equifax‑based score using a VantageScore model, but the underlying data still come from Equifax.