Borrowell is a free credit monitoring service that won’t have a negative impact on your credit score when you use it to check your credit. They are a ‘recommendation’ business, so they do make money by referring you to certain credit card and loan offers – however you do not have to take any of the offers or recommendations to use the credit monitoring service.

In order to download your Equifax Credit Report for free from Borrowell, create your account at and log in.

In the menu across the top, click the “Credit Report” link and then click the “Download Your Credit Report” link to the top right side of that page: