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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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:
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:
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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