I’ve spoken before about how to get your credit report for free. I’ve also said that you shouldn’t waste your money on online credit monitoring services. However, if you believe that you’ve used a credit card at Home Depot after April 1, 2014 (note: you don’t have to supply any proof, or even a declaration), you’re eligible for one year of free Equifax Premier Credit Monitoring, which allows you to update your credit report and see your consumer disclosure score on a daily basis.
Home Depot recently suffered from a security breach, and this is why they’re offering this. This offer has been on for awhile, but I was recently reminded that I have not posted about it.
To get this service, you will need to either call Equifax at 866-205-0679 (English) or 866-466-9577 (French). You can also email HDCanadaEnrollment@Equifax.com, just sending your first and last name. You don’t have to supply any more information, or make any declarations. If you phone, the agent will give you a code, and if you email, you’ll get a code in the reply. This code is valid for one year of Equifax Premier Credit Monitoring.
Once you have that code, go to Equifax to sign up. Do not put your credit card information into the sign up box. By putting in the code you received, that will satisfy as payment for the product. If you put a credit card number in, at the end of the free year, you will be charged monthly. So, just don’t put your number in and you’ll be good to go.
I’ve had this for a couple months now, and it’s a very simple product to use. Normally I would just order a free credit report over the phone, but having this for free makes instantaneous access to my credit report possible. Note that this will only display your Equifax credit report, not your Transunion report. There is currently no free online offer for Transunion. You can get your free Transunion credit report mailed to you by calling 1-800-663-9980.