Equifax is a global data, analytics, and technology company and one of the three major consumer credit reporting agencies in the United States, along with Experian and TransUnion. It collects and aggregates credit and demographic information on hundreds of millions of individuals and businesses worldwide to support credit risk assessment, lending decisions, employment verifications, and more. Equifax also offers credit reports, credit monitoring, identity and fraud solutions, and analytical services to businesses and consumers.
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Equifax Reviews
The WalletHub rating is comprised of reviews from both WalletHub users and ratings on other reputable websites. The rating was last updated on 02/04/2026.
1.3
2,283 reviews
from WalletHub and across the web
2,283 reviews from WalletHub and across the web
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Equifax
abhisetia0 @abhisetia0
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1 Star Rating
- I have 4 accounts that were on my credit report which should not be there. - I submitted a dispute with all the documents that the dispute form says - Dispute gets denied saying missing of invalid documents - I call, customer service says they don't see anything missing and will open a special case and I will receive an email - I never receive an email. A few days later I call back. Support says there's no special case. (So equifax legitimately lied and ignored an issue). The lady tells me what went wrong so I can fix it and then sends me another dispute form by email - The lady sent me the wrong dispute form so I re-submitting the dispute myself from the beginning. - Equifax removes 3 of the 4 accounts - I call and the 4th account isn't their fault as a third party used an incorrect digit - I contact the third party and get the 4th account corrected - I submit another dispute with equifax with the exact same documents that were previously accepted for removing the 3 other accounts (this dispute is just for the 4th account with the corrected digits) - Equifax sends me an email saying missing documents - I call equifax. The lady sees nothing wrong and deflects the issue. She first tells me she doesn't see the account. Then later she found it. She mistakenly tells me that the account will stay there for 6 years (which is not correct as the account is mistakenly on my report currently). - Equifax lady then sends me the wrong dispute form. - I have submitted the exact same dispute once again and will see if they can correctly and finally remove the last account or not, one month later of going back and fourth.
- The customer support people are from overseas with english as their second language, making it hard to understand. Plus sometimes the call connection is poor
- I am applying for a mortgage and all these MISTAKES, and INCONSISTENCIES with equifax and their customer support has caused a one month delay and has caused big issues with my mortgage to the point where I will be attempting to add my story to any possible class action lawsuits
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Product: Equifax Credit Report
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Equifax
barb Jablonski @richtrailer
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1 Star Rating
Lowered my score from 744 to 631 in a month, citing the reason for the change as compliments on lowering my card usage and payment history, being under 10%, and compliments on my mortgage balance decreasing, all with excellent comments.. yet they dropped my score. They won't fix it. The other agencies have my score at 741 and 744, and my reports contain identical information at all three agencies. This causes my premium to increase based on my score! I have excellent credit at two agencies and fair credit at Equifax. What's the problem? It seems like they've made an error - when it should be a positive adjustment, someone needs to address this and make corrections.
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Product: Equifax Generic Credit Score
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Equifax
Ethel Neale @Mary123op
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1 Star Rating
I logged into Equifax, and I had my bank run a credit check on me. When I logged into Equifax, it showed me my credit score, and mine was completely different from the bank's. Mine was higher, and the bank's was lower than what they showed on my account. It was like 10 points less, and it was just updated on 5/6/2026. That is not a good thing.
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Product: Equifax FICO Score
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Equifax
Ronald Tu @tounian5
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1 Star Rating
Equifax is the second-worst of the credit reporting agencies. Absolutely behind in updating information on your credit profile, and always 100-140 points lower than Experian. How can a score be so different among the three credit reporting agencies? Ask all three of them, and they will give you the same illogical and frustrating answers as they always do. They told me to hire a credit consultant to make the required changes, meaning they have hidden agendas that require credit consultants to understand and resolve. Shame on dishonest corporations like Equifax who have, unfortunately, infiltrated the entire world. I have nothing good to say about Equifax; that is the truth.
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Product: Equifax FICO Score
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Equifax
sdj_0311 @sdj_0311
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1 Star Rating
First, this is not a heat of the moment post; this is an ongoing problem. What a horrible organization to deal with; one cannot access their account without excessive wait times to do anything. The CEO and management team need to be fired for allowing this organization to function in this manner.
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Product: Equifax Generic Credit Score
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Equifax
Nancy Sc @ElizabethSHill
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1 Star Rating
What a sorry organization. Major data breach in 2017; a website that doesn't work; a telephone center apparently not sufficiently staffed, leading to unbearable wait times. How in the world does a credit bureau continue to be one?
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Product: Equifax Credit Monitoring
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Equifax
Mark McCarthy @casadelsendero
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1 Star Rating
During two calls, I spoke with six individuals at the call centers for Equifax. Unfortunately, only one person spoke clear English. I thought that speaking with someone higher up in management would assist with the language barrier, but I was mistaken. The master became rather impolite when I had trouble understanding him. When I called back, I was informed that managers don't take calls, which made me question whether Tony was truly a manager or just posing as one.
It seems you can't lodge a formal complaint about inappropriate behavior to anyone at Equifax, except to the individual involved in the behavior.
Additionally, there is a false collection report on my credit report. Despite having supporting documents that prove its inaccuracy, Equifax refuses to remove it. The same supporting documents were accepted by the other two reporting agencies, who then removed the disputed item.
I had one of the employees add a statement to my credit report over the phone. It appears as though it was written by someone with a very limited grasp of the language.
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Product: Equifax Credit Report
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Equifax
Frederick T @frederick4156
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1 Star Rating
RECORD YOURSELF WHEN SIGNING UP! I explicitly signed up for the free Core plan and selected a $0/month subscription. I hit a box that explicitly stated that I would be paying $0 / month but was still roped into providing a card number / payment option in order to finish setting up my account. The moment I finished my sign up process, I was charged $9.95 for Equifax Complete when I did not sign up or consent to using the service. I immediately contacted customer support regarding my situation and they did not believe my words.
Their website implementation is garbage and will not hesitate to upcharge you for doing absolutely nothing wrong. Unfortunately for me, I only have 1 SSN. If I had more, I would sign up for another account while recording myself in the process so I could sue them.
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Product: Equifax Generic Credit Score
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Equifax
larryhess6 @larryhess6
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1 Star Rating
NO STARS - I had someone try to open 3 credit cards in 2 days through different CITIBank companies April 2022. All three got posted to Equifax immediately but no other credit bureau. After a month of tracking down CITIBank 2 of the locations sent me letters stating they would notify Equifax and the inquiries were fraudulent. NOW 1 year, 4 months later and sending Equifax at least 4 different encounters they still can't seem to remove the fraudulent inquiries. Very frustrating speaking to people who are clueless, possess English as a second language, no customer service abilities, and each one seems to change the instructions, dealing with all your private information... I don't understand how this company is allowed to handle sensitive personal information!!
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Product: Equifax Credit Report
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Equifax
don_justice @don_justice
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1 Star Rating
I have worked for several years to repair my credit after an ugly divorce and job loss put me way behind. Over the last four years I’ve rebuilt my credit into the 740-750 range across all 3 credit bureaus. In early February I got an alert that my Equifax score had dropped 82 points over night. TransUnion and Experian hadn’t changed. I have a flawless payment history with zero negatives. Nothing in my credit report could explain the drop. After dozens of phone calls to support folks that are obviously offshore, they finally say they fixed the problem, which had suddenly caused me to have two different credit files, one under my given name, and one under my nickname. I’m calling BS on their explanation. After the data breach, last years coding error that caused millions of people to have incorrect info supplied to lenders, and outlet most sensitive personal data in the hands of god knows who in obviously 3rd world call centers, all I can say is W*T*F????
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Product: Equifax Generic Credit Score
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Equifax
instructor_glenn_f @instructor_glenn_f
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1 Star Rating
Easy to sign up for. Terrible website that never allows you to sign into your account, ridiculously pathetic customer service, and a three-ring circus of hoops to jump through if you want or need to cancel. Try another service first.
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Product: Equifax Generic Credit Score
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Equifax
Cathy Rogers @rcrac2012
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1 Star Rating
My boyfriend and I both signed up for a free trial for credit monitoring. We both canceled online before the trial period was over yet equifax keeps attempting to charge our cards. We even received emails verifying our cancelation. He called Equifax and was told he would be refunded and they said they would "take care of it" and was never refunded and was then charged again. He finally had to contact his bank to dispute the charges and they issued him a new bank card. I just hung up with them and was told "there was a problem on our end." He further advised that to stop the attempts, I needed to contact my bank. What an awful, time-consuming experience!
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Product: Equifax Credit Monitoring
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Equifax
jones357 @jones357
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1 Star Rating
Payoff reporting, I paid off a credit union loan early and the account was closed. Because of the closed account, Equifax decided to report it as delinquent.
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Product: Equifax Credit Report
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Equifax
Michelle L Flaten @Bubblecakes
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1 Star Rating
i dont know anything about this debt. my credit report has false and inaccurate information on it. which i have been fighting to get off for several months now. and Equifax keeps saying this information is accurate. it is not.
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Equifax
Terralaneschnauzers @Terralaneschnauzers
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1 Star Rating
Equifax misspelled my name and it has prevented me from checking my credit score with them; it has also prevented businesses from checking my credit. I have called Eqifax 8 times and each time I’ve been on the phone for close to an hour. They told me to fax them a copy of my social security card and then they said they didn’t get it. They barely speak or understand English and refuse to transfer me to someone in the US. Total incompetence.
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Product: Equifax Credit Report
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Review Equifax
Equifax Q&A(4 questions)
Get answers to your questions about Equifax below. Editorial and user-generated content is not provided, reviewed or endorsed by any company. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered.
Traditional credit scores calculated based on data from Equifax credit reports range from 300 to 850, with higher scores indicating stronger credit. But the Equifax Credit Score ranges from 280 to 850.
The Equifax Credit Score is a proprietary scoring model used to evaluate your Equifax credit report and predict credit risk. It is calculated differently from FICO Scores or VantageScores, but pulls from the same types of data. The four main areas used to calculate the score are payment history, amounts owed, length of credit history, and new credit. Like traditional credit scores, the Equifax Credit Score can also be broken into several different ranges.
Equifax Credit Score Ranges:
Overall: 280-850
Poor Credit: 280-559
Fair Credit: 560-659
Good Credit: 660-724
Very Good Credit: 725-759
Excellent Credit: 760-850
Although traditional credit scores typically range from 300 to 850, some older models and industry-specific scores may start at 280, 250, or even 0. The Equifax Credit Score is just one example. Generally, the score or rating you get from one type of credit score should be close to what you receive from others, however.
You can check your latest VantageScore 3.0 credit score and your TransUnion credit report for free on WalletHub. In addition to daily updates, you'll get personalized advice for how you can take your credit score to the next level.
You can file a complaint against Equifax by logging it online using the Consumer Financial Protection Bureau's complaint tool or by submitting it to your state's attorney general. Once you file an online complaint with the Consumer Financial Protection Bureau (CFPB) or state attorney general, those entities will forward the complaint to Equifax and work to get a response from them. Equifax's customer service team will in turn look into your complaint and report back with steps followed (or that...
You can contact Equifax by mail or by phone. To contact Equifax by phone, call 1-888-378-4329 from 9:00 am to 5:00 pm, Monday through Friday. If you need to reach Equifax by mail, you can use the following address:
Equifax Information Services LLC P.O. Box 740256 Atlanta, GA 30374
Customer service at Equifax can help you add a fraud alert, set up a credit freeze, and file a dispute.
You can unfreeze your Equifax credit report by logging into your account on the Equifax website and selecting "Remove Freeze" on the dashboard. You can also unfreeze your Equifax credit report by mail or by calling 1 (888) 298-0045.
The freeze should be lifted immediately if you request it online or by phone, but it may take up to a few days if you send the request by mail. It is free to freeze or unfreeze your credit report with all three credit bureaus.
How to Unfreeze Your Equifax Credit Report
1. Online: Go to equifax.com and log into your account. On your dashboard, select "Manage a Freeze" and follow the subsequent prompts.
2. By Phone: Call 1 (888) 298-0045 and request to have your credit freeze lifted. You will then be asked to provide some personal information including your name, address, Social Security number, date of birth, and email address so Equifax can verify your identity.
3. By Mail: Send a request to
Equifax Information Services LLC P.O. Box 105788 Atlanta, GA 30348-5788
and include the following information and documents:
For Identity Verification (provide a copy of one document, such as): Driver's license, State ID, Social Security card, Passport, or Birth Certificate.
For Address Verification (provide a copy of one document, such as): Utility bill (gas, water, cable), Bank statement, Rental lease agreement or house deed, or Mortgage statement.
When you submit your request to unfreeze your Equifax credit report, you can select either a temporary or permanent freeze removal. For a temporary removal, you can provide the start and end dates for your desired time frame. This is particularly helpful if you want to apply for new credit but also want continued identity protection after your application is approved.
How Long It Takes to Unfreeze Your Equifax Credit Report
If you request to lift the freeze on your Equifax credit report online or by phone, it is generally done instantaneously, though the FTC gives credit bureaus up to one hour to complete the process. With requests submitted by mail, it typically takes three days from the date of receipt for the credit freeze to be lifted.
To learn more, check out WalletHub's guide on credit freezes.
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