Equifax creates and delivers unparalleled customized insights that enrich both the performance of businesses and the lives of consumers through the comprehensive and differentiated data it manages, the expertise in advanced analytics it provides, the state-of-the-industry solutions it develops, and the leading-edge proprietary technology through which the solutions are delivered. The company organizes, assimilates... show more
Equifax Reviews
5
9%
4
19%
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0%
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13%
1
59%
2.1
32 reviews
32 reviews
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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 @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
Milton @miltg615
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1 Star Rating
UNBELIEVABLE...my calls kept getting dropped, forcing me to call back over and over. And when i would try to call back the number would say "not in service". When it would finally go through, my call would get dropped mid conversation!!! Terrible!
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Product: Equifax Credit Report
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Equifax
wayne_50793 @wayne_50793
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2 Star Rating
Equifax is the worst of the three main credit reporting agencies. Their website, My Equifax, is garbage! I've never been able to access my account online for anything, which is not true for Experian or TransUnion. Using the Equifax automated system on the phone is equally disasterous, for me, as well as others I have known. After spending ten minutes providing all of the proper information to remove a credit freeze, the system rejects my request so that I must call during regular business hours.
After dealing with such a defective system, it makes it easier for me to understand how they were breeched and put everyone at risk due to their incompetency. The FTC or whichever agency is over them, should remove their licenses until they can get the system working as efficiently as their competitors.
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Product: Equifax Credit Report
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Equifax
kmcatena @kmcatena
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1 Star Rating
Equifax does NOT provide real time, accurate information! They continue to report incorrect information on my credit report, even though Experian and Transunion REMOVED that same information! My Equifax credit score is always 25+ points below my Transunion and Experian credit scores! How is that accurate?! My scores are 708, 714 and then 664 for Equifax! This week my Equifax score went up 30+ points well over 700 and it was finally in alignment with Experian and Transunion, UNTIL THE NEXT DAY WHEN IT CRASHED DOWN BY 33 POINTS!! HOW IS THAT ALLOWED?! I called EQUIFAX customer service and finally got through today to be given NO PLAUSIBLE EXPLANATION as to why my score dropped by 33 points practically over night!!! The person I spoke to said he thinks it's because of 1 hard inquiry this week by a lender. WTH?!! I've been shopping for a mortgage!!! They screwed up my chances of getting a mortgage because of that 33 point drop and for what? 1 Lender Inquiry? I could see 3 or 5 points, BUT 33?!!! EQUIFAX needs to be put out of business! They have too much power over people's lives and whether they can buy a house, get a credit card, have a life!!!
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Product: Equifax Credit Report
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Equifax
anthonynguyen19912024 @anthonynguyen19912024
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2 Star Rating
Equifax is very bad creditor company they don't have any disputed online , they never care about victim have been fraud reports to their file they don't remove inaccurate very bad FTC need to be chance them like TransUnion very bad too
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Product: Equifax FICO Score
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Equifax
ikhokhriakov @ikhokhriakov
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1 Star Rating
Absolutely useless company. Somehow managed to screw up my.equifax account in the very beginning when I just arrived to the US. And now any attempts lead to "Please give us a call" which is totally pointless, as the whole thing stucks in a loop "verify your identity" - "give us a call"... Should dropped off the market immediately just because of that IMHO
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 will be followed in the future) to resolve the complaint.
If you file your complaint through the CFPB, they will publish it on their website (without personally identifiable information). CFPB has received more than 170,000 complaints about Equifax. Out of these complaints, about 79% were resolved with an explanation from Equifax, while 17% were resolved by providing some sort of relief to the consumer. The rest of the complaints have yet to be resolved. If you are not satisfied with Equifax's response, you can leave feedback. The CFPB will not always take action against companies like Equifax, but it does provide complaint data to public, state and federal agencies, as well as to Congress.
On the other hand, if you want to file a complaint with Equifax about an inaccurate item on your credit report, you can file a dispute online through your Equifax account. Once you file your dispute, you will receive a 10-digit code that you can reference when checking the status of your dispute. Equifax will respond to your dispute within 30 days following your submission.
If you don't like Equifax's response to your dispute, you can add a statement to your credit report. This statement does not affect your credit score, but can help lenders understand the circumstances surrounding negative items on your credit report.
You can contact Equifax by mail, by phone, or online. To contact Equifax by phone, call 888-548-7878 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.
To place a fraud alert on your Equifax report: add an alert online or call 800-525-6285.
To dispute an item on your Equifax report: file a dispute online or call 866-349-5191.
Before your conversation with Equifax, gather your Social Security number, financial records, most recent annual credit report, and any other documentation you think will be relevant.
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