What's Your 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.
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.
Equifax Q&A(3 questions)
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What is the Equifax Credit Score range?
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.
How can I file a complaint against Equifax?
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.
How do I contact Equifax?
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 place a credit freeze on your Equifax report: freeze your report online or call 800-349-9960.
- 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.