Fair Credit Reporting Act (FCRA)
As a consumer, you have several important rights regarding your report from the credit agencies, including Equifax. You have the right to a copy of the report (free, in certain circumstances). You have the right to know who has received a copy or inquired about you. A very important right empowers you to dispute inaccurate information. Upon request, the credit reporting agency must explain any negative information.
Your Credit Report From Equifax
Equally important is what is not included in a report from Equifax or any of the credit bureaus. You will not find any information about your race, religion, driving record, criminal record, political party, or your current health or medical history. Also excluded are debts more than seven years old and bankruptcies more than 10 years old.