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Every other credit reporting agency doesn't make it so hard to add or lift security freezes. Experian is the best and TransUnion was a pain but nothing like Equifax. Imagine having no way to recover a pin on their website. They don't make the number easy to find. Then when you finally get through you get someone who can barely speak English asking impossible questions. What is confirmation number, when did you originally apply the security freeze. They want the month day and year. Like you're really going to remember that. Come on now. If you fail you then have to send a letter with copies of your identification. It takes forever. They are punishing you for protecting your credit. I really wish they would go bankrupt. I would never use an Equifax product again.
Both of my parents are deceased. Father in 2013 and my Mother in 2017. When I received their credit card statement in May a charge dated 4/13/2018 in the amount of 199.99 was showing for EQF*TID TRUSTEDIDSERVI. I contacted the number provided on the statement and was informed they needed confirmation. They requested I send in copies of the death certificates, SS #, Mailing address and phone number along with a copy of my driver’s license. Then I needed to wait 10 days before calling them back.
When I called them back on 6/4/2018 I was given another number to call. So I called that number. They again asked for copies of the death certificates which were again provided to the new email address. I received communications today that they would not accept the death certificate because it did not contain the SS no of my parents. Utah statute specifically states it cannot be listed on the death certificate. All I am asking for this the monitoring price of 109.99 be refunded to their credit card.
I had identity theft and promptly put a fraud alert and freeze on all 3 credit bureaus. Two credit cards were opened in my name and I only disputed those two. Equifax disputed ALL of my credit cards resulting in four cards being closed, three I have gotten back, (one dispute they put through was on an account that was closed 32 years ago and another closed 9 years ago). Equifax had told my creditor's I had a new address, which was the fraudulent address and they almost sent my new cards there. The rest of my cards were blocked. I had to constantly contact all of my accounts to get everything back in order. The time that this took over a matter of 6 weeks and having to do it more than once has been ridiculous.
I contacted Equifax and answered all questions correctly and was told my address didn't match up. I informed them that they had the thieves' address and they wouldn't change it, so I faxed them, per their request, all of my information, a police report and Federal Trade Commission identity theft report and my current driver's license showing my correct address with a cover letter detailing, very clearly, exactly what had occurred and to properly correct my address, along with phone numbers the thieves put on the cards that were not mind. In the mail I get a letter, not properly spelling my name, saying information was incorrect and to provide my full SS# and other forms of ID in order to facilitate my request, keep in mind this was sent almost one month later. I will not do that considering they have my name wrong.
I then get a letter addressed to my proper name stating my address has changed (which again is the fraudulent address used to open the cards) and I have to contact them AGAIN. Not only was I victimized by the thieves, but worse by the Bureau that is supposed to protect my identity. They don't listen to what I say, put me on hold forever and then never get back to me waiting for me to hang up, totally unprofessional and when I provide proper information they say mine is wrong. I just got the "results" of their investigation; however, when I try to access it I can't because they say I did not properly answer the questions.
I tried again and it won't allow me back in to it and I have to call them AGAIN. Of course it takes forever to get through to them because I have to go through numerous people to try and speak to someone in the US Fraud Dept. This is totally unacceptable, unprofessional and has been a waste of my time to prove who I am because even in writing, with proper ID and proof, they don't believe ME.
Equifax has continued to allow false or incorrect information to remain on my credit report. I have disputed inaccuracies numerous times, with documentation to prove those inaccuracies and they refuse to delete them.
I've been hacked more than once. Just when I think everything is resolved, it starts again, charges on my credit card etc. I have changed my credit card 3 times, the first time I under a free sample which was really my fault because it was actually a membership where they send you skin care product every month and charge you over $150 US for skin care you can buy at pharmacies for $60. It was on the Fifth Estate, a Canadian that lived in California. Fool me once, but not twice. I have a new credit card. Do not order online anything anymore. I realized it started again getting charges on my credit card. Looking back what I did in the last month. I had purchase a monthly service with Equifax so I can check my credit score again, and to make sure nothing negative. Sure enough I see my credit score is low 585, after paying well no late payments for 6 years.
I sent them a letter to complain, also I seen I had a collection that pop out of nowhere amount $1200+. I needed a loan, so I paid it off and would dispute it with company after. Sure enough it was a pay loan that I did not apply for in 2015 through a company that doesn't exist anymore. That was the year I started to work for CIBC and was hacked through my email. I had to change all my accounts, passwords, debit, credit card. I was also with TD bank and had to change everything there also. They tried to get a loan, got the alert, "Congratulation your loan has been approved". Equifax says I will have a hard time getting a loan due to my credit score. If I can't get a loan, but a criminal that applies for a loan online is approved, something is wrong with their system.
I can't dispute with company to get my money back, but at least remove the collection report off, and bring my credit score to normal. Who are the people that work for this company, CIBC hacking was a technician that was laid off so he sold data to black market. Ever since banks have outsource work to other countries like India. We have problems with hackers, and stealing identities.
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Worst customer relations ever. Can't dispute even personal information without having to mail copies of my license, my SS card, my utility invoice. A credit reporting company that wants me to MAIL a copy of my SS card. Joke #1. Trying to "chat" is joke #2. One field to fill out: email address. No submit button, no link to continue. I hit my enter key. Error message: "please fill all required fields before attempting to initiate a chat" Huh?? ONE field, filled. On to joke #3: trying to contact a live customer rep. I finally find a number, call. First call, disconnected. Second call "Bran" needed me to answer a security question: What's the credit limit on one of my credit cards (a specific card)? What?? I've had that card for years, and I'm expected to remember its limit?? Isn't there another security question? No. NO??? At that point I disconnected the call. Equifax is impossible to deal with. Soooo much simpler with TransUnion.
By far, THE WORST of the credit bureaus to deal with. None of the features work on their website. I was in the middle of submitting a dispute (for two companies) and then automatically booted out of the system. So, I try again...answering all of the security questions and begin the process over again... to be booted out of the system RIGHT BEFORE pressing the submit button. Alas, I try a third time, except this time the system does not recognize me. At all.
I try Chat. They are unable to help me and provide me with a phone number to call... they give me the wrong phone number. I find the right number online... however, they too are unable to help me. Apparently, the only way I resolve an issue at this time is to send them a letter in writing. Seriously? This cannot be true, so I request a manager. Luckily, the manager was able to assist me with processing my (2) disputes (which took a whole 3 minutes to complete). Fast forward a week later, I receive an email re. the status of one of my disputes. Excited, I try to review the results. I click the link to view my results. The link is broken, it doesn't work. Nothing works, at all! GAHHHHH! Equifax will be the bane of my existence.
I have two addresses under my name - not mine. Phones under my name - not mine. Scotiabank visa card - not mine. SO, I asked to be a fraud alert under my name, because DUH. They don't. They investigate it, and when they don't find any proof that it's fraud, they LEAVE IT. I asked to put an alert multiple times, and I even had a police report. Nope. They still closed the investigations and didn't put fraud alerts under my name. I now have really bad credit, with all of that info and it's not even me. Transunion is way better than Equifax. So apparently now I gotta wait 10 years for my credit to be good since Equifax doesn't want to do anything. THANKS!!!
Their website is absolutely horrendous. I was in the process of disputing two accounts which do not belong to me, and the website closed. Normally, not a problem. I re-opened and had to start the entire process over. After entering my identifying information a second time, I was informed that I am apparently non-existent, despite entering the exact same information I entered previously.
The accounts referenced are several years old; one of them is even a duplicate. So, this company can use its systems irresponsibly, and still have the power to have hold of your financial future. Why they still possess such a stronghold in the credit industry is perplexing -- they have already proven they cannot handle data responsibly.
I disputed inaccurate information on my report. It was a charge from a collector I had no knowledge of. I was positive it was not mine but how can you prove an account is NOT yours? Multiple disputes with Equifax and they always came back with same response saying the information was accurate. To prove to myself what I already knew I disputed the balance reporting on an account that had not updated and was paid off 45 days prior. I have a receipt showing the balance on this account is $0 and paid in full. AGAIN, EQUIFAX SAID INFORMATION WAS ACCURATE AND HAD BEEN VERIFIED AND THE BALANCE WAS $4300.
I had contacted the creditor before I sent the dispute and made sure the balance was 0$. This is undeniable proof that Equifax DOES NOT investigate disputes per FCRA. I will be seeking legal advice because the impact Equifax has on peoples lives is huge and they have a responsibility to report accurate information. It’s bad enough their security is weak and hackers steal millions of identities because of it and then don’t even own up to that. Now I proved they don’t even investigate disputes. They should be dismantled as a CRA and pay punitive damages that are unprecedented.
After another email on 5/19 to Tori at Equifax Personal Information Solutions, I finally received an email stating that my refund request was successfully submitted. So for that... Thank you Tori at Equifax!
On May 11th, I ordered a copy of my 3 bureau credit report. The report did not show any credit history. I contacted (by email) Equifax customer care. 3 days later, they closed the case without providing any information as to what they did to correct the situation. I then contacted them by Chat and for some reason, in the middle of the conversation, the Chat was disconnected.
When I reconnected, I was told to call them the next day between 0800 and 5 pm. I then emailed them again and was told that I may have a freeze on my credit report and would need to contact them by phone. I checked my account and no such freeze was placed on my report. So I called them at exactly 8 am, provided the case number and after a bunch of questions I was told that I contacted the wrong department and to call a different number from 9 am to 5 pm. (The number that I called was the number they provided to me to try and resolve the issue.) Getting frustrated, I contacted them by chat again and now I'm being told that I need to call a different number from 10 am to 5 pm. I keep getting the run-a-round. I paid for my 3 bureau report and got nothing except of the perpetual loop of "Call this number, Call that number, call at this time or that time".
I signed up for this freeze because of the debacle created by EQUIFAX... now trying to get the freeze unlocked and working with their employees is HELL! Just don't do business with this company. The employees in Customer Service seem to have a power rush in controlling what you can do with your account.
I have called customer service multiple times after I was denied access to my online account because, "The information you have provided does not match our records". Each time I called, I was told that my information is correct, but "the website is not currently working because it is updating". When I ask why it says my information is incorrect, they say, "I do not have access to that information." So I ask if there is anyone I can speak to that DOES have access to that information.
They all repeat the same response over and over again, "I'm sorry for the inconvenience but the website sometimes does not work." Or, "I do not have access to that information." There has to be SOMEONE who can figure this out. TransUnion and Experian helped WONDERFULLY when I was trying to remove false information. Equifax is a poor excuse for a credit reporting company. If it was possible, I'd ban them from having any access to any of my information, but unfortunately, it's not.
I kept maintaining my credit payment on time and in full for over 2 years now and they did not change my score. I ended to a clue that Equifax try to keep you as long as possible with the same score to secure your membership as you cannot grab your score from there if you are not registered and you have to pay monthly payment to be able to access and check your score. If these people lose their credibility with many cases I DO NOT KNOW WHY BANKS and other still use their "UNFAIR" evaluation. I am sure if their applications that evaluate the credit score get audited by the government, this company will be shut down immediately. This is only one side of what they are doing adding the waiting on the line every single contact for over 30 minutes.
First off hold times are ridiculous if you call first thing in the morning when on the East Coast. I have experienced holds of over 25 minutes on more than 1 occasion and finally had to hang up as I have other things to do. Longer holds more understandable if calling after that as more time zones would be calling in. Why not set up a call queue like many companies have to return calls in the order received. Secondly, why do I have to input answers to all questions if you are not yet open? Why not advise us to call back during business hours and state what that is, INCLUDING time zone.
I have had many bad experiences with Equifax. The website is virtually unusable, and I am very computer literate. I will describe as an example my attempt to access my dispute resolution information just a few minutes ago. I had received an email saying a dispute was resolved and it had a confirmation number that must be used to access my report online. I went to the website and the dispute resolution page where I was given a form that included that number and asked for my biodemographic information, including previous address. Because I have auto populate software, it took me about 1 minute to complete the form, but when I submitted it I was told that the process had timed out. I repeated the process, timing my entry, in less than one minute and was again told I was timed out.
I used the chat feature, which was slow and the agent was rude and closed the chat to stop me from commenting, but during the chat gave me a phone number for dispute resolution. I called that number, and after a long series of messages saying to use the website, I waited for an agent. I got one in a reasonable time but could barely understand him. He gave me a verbal report and when I asked for a paper copy he agreed to send it but had an address from over 4 years ago listed as current, despite my multiple attempts to correct biodemographic data on the website. I then tried the automated service again and this time wasn't timed out. But then you are required to answer 5 questions about credit accounts to "verify who you are." I have seen that page on multiple occasions, and despite being certain about the information I entered have always been told it doesn't match Equifax records and am denied entry.
Generally I have found that virtually every question they ask me requires me to use the "none of the above" answer, so knowing that they must give trick questions to keep you from accessing your information I carefully scrutinized the questions this time and detected that one of them asked about my getting a bank card on a certain date. I knew that the card was from Credit One, but it was not one of the options.
I Googled Credit One and found a site detailing the many complaints against the company, and in that document found this: "Credit One cards are issued by Credit One Bank of Las Vegas, which is a subsidiary of Sherman Financial Group" so I answered the question of "what bank offered the card" as Sherman Financial Group and got access. So that was what they deemed to be the correct answer was absolutely wrong, and to beat them at their game, I had to NOT correctly answer the question as "Credit One Bank" because that would have denied me access to my information. Instead, I had to know that an obscure financial group that owns the actual Credit One Bank was being deemed by Equifax as the correct answer. That is absolutely wrong.
Now I understand why I have tried to get access through that question bank on many occasions and have always been told my information was incorrect, when I knew it WAS correct. But this time I managed to get past the trick question and was given a link to view my results, and the LINK DID NOT WORK. I tried every trick I know of... I tried control+click, I tried right clicking to open in a new window or edit or view the URL behind the link... Nothing worked. SO AFTER AN INCREDIBLY ONEROUS PATH TO THE LINK, THERE WAS NO WAY TO GET TO MY REPORT. This is just one example of how horribly Equifax treats paying customers.
After trying to use the Equifax website for several months I have concluded that they actively obstruct customers from accessing the information they pay for. And like many of the other reviewers on this site, I have also found that Equifax data on my credit report is incomplete and largely wrong. Experian and TransUnion have very similar data and have a reasonable method for disputes, and they both complete the investigations and fix the errors in a timely fashion. Equifax data is totally different from the other two reporting agencies, generally wrong, and very difficult to get corrected. How is Equifax allowed to exist with security breaches, bad data and absolutely horrible customer service?
Equifax is the worst business entity that I have ever encountered. They should be shut down. I also have found that few, if any, lending agencies even use Equifax. So they really aren't used by most lenders, I can't get them to fix all of the errors in my report and I generally can't access the dispute initiation or results pages on their website, I am just no longer paying for their LACK of service. If I could give them a negative star rating it would be some infinitely negative number of stars. I'll have to settle for one star, but they don't deserve that.
I paid off a creditor who agreed to a pay for deletion. I paid almost 1K for the debt to be removed and the creditor has send Equifax numerous letters to delete the debt and Equifax fails to remove it from negative items. Therefore, it still shows that I owe that debt. I did a complaint with the consumer finance and Equifax responded that the debt was not there, yet I pulled my credit report and it is still there! They are liars and crooks!
All I wanted was a quick credit report. After I had entered all of my information and payment details, I was told my card had failed and so I received no product. So I re-entered the card details a few more times in case I had made a mistake, and still no luck. Shortly later, I was billed the full price of every attempt for a near total of $100. No products appear in the account page, and I can't change my payment information to something else (In case they attempt to charge me again) because you need to be subscribed to a product to change payment details. Phoning got me nowhere, and no contact email address can be found on the site. Luckily my account sign-up email contained an address to contact, and when I did I received an immediate response saying they would attempt to process it. There are better alternatives to Equifax by far.
They won't let me dispute charges unless I send all of my documents plus my first born. They scam you. Why is a third party in charge of my information and then charge me for MY information??? Give me my information I asked for and which is MY data.
Recently, after running my report from Equifax, they showed my current last name as a previous name and my previous name as current and likewise for my address. After trying to update this online, I was informed that I need to call, so I did. However, after giving my ss# to some young sounding girl in the Philippines who spoke with very broken English, I was requested to give my DOB, address, outstanding loans, how much my payments were, how much the outstanding balance was, who my credit card companies were and how much I had outstanding on each account... YES... All this for verification, after providing my social, DOB and address. At some point I said that's enough! She wouldn't move forward with my request to get my name and address updated.
The thing is this... I've had this name for over 10 years!!! And the address they showed as current has NOT been my address for 8 years. They list my current employer as a company I tried out for three weeks--only 3 weeks, close to 20 years ago!!! They make a mockery of people... It was only after calling 3 times (and yes I did give them hell as well, because I find it frustrating to speak with kids who barely speak English and are really rude... It's their way or no way!) that I requested to speak to a supervisor who after making me repeat all this personal information again (at least 10 questions) did she agree to update my information to the correct name!! Haha... Who is this insane company who cannot even keep the basic information straight take it upon themselves to provide businesses and banks with your credit scores?
Equifax updates when they want. I had a bankruptcy. The other two bureaus are updating and allowing me to dispute but not Equifax. Why do we use these entities when they are so inaccurate??? I tried to create an account and they sent me in circles. I can't get this items disputed and so many are wrong. I have the bankruptcy papers to prove it. It is ruining any chance I have at recovery from domestic violence and getting on with my life.
I filed a dispute based on inaccurate info, got an email from Equifax saying they had the results of my dispute, but when I clicked on their link I kept getting "We are unable to process your request." I called and finally got a human who barely spoke English, getting asking me the same questions and didn't understand what I was saying. He put me on hold 3 times. Finally I asked if the website is broken and he said it was. Also while waiting for this guy, I agreed to participate in a customer service survey and was told to stay on the line after the call, but after he hung up and I stayed on the line, nothing happened.
We have had issues with identity theft on my husband's reports. The other 2 agencies investigated and removed the accounts, 2 with the same company. Equifax refuses to remove the accounts. So we are left dealing with our own credit monitoring agency, that's correct!! We pay them each month to monitor our reports, and the suspect company. After police reports, federal government reports, etc... 2 years later and still being jerked around, we have had to retain an attorney to clear this mess up. Thank you Equifax.
EVERY single time I call this company, I get nowhere. Recently my car was totaled and I wanted to apply for a car loan through my bank. They said one of the credit bureaus had the wrong social security number for me so I would have to call and figure out which one did. I called Experian first and they had it wrong, but easily made the switch and sent me a letter in the mail confirming they had fixed the mistake. I called Equifax and spoke to a man who said he could not find me anywhere and that I must not have any open credit cards although I already told him that they must not have the right social for me.
I ended up faxing my social and license to the bureau and called back a day later to see if they had received the information. The lady who I spoke to was nice and said they had not yet filed it and to call back in 24 hours. I called back again and they said it did not come in clear enough so I would have to refax it, which I did. I call today and the guy who I first spoke to told me he couldn't tell me anything because he couldn't verify me because I didn't have an open credit card account currently. He then asked me if I had any collection agencies on my credit and when I said no, he said he couldn't help me if I couldn't answer his questions. Like what??? I just want to know if they received my fax or not. The guy was rude and unprofessional, in my opinion.
I've an issue with erroneous info in my Equifax database, consequently when changing banks, the entity submitting the monthly check to my new bank does not recognize my identity. I initiated a dispute claim and it's being processed. I contacted Equifax multiple times at various times of the day and ALWAYS get the same caution "We are experiencing extra-ordinarily high volumes at this time". So I try a CHAT sessions during regular weekday hours. 3 times NO response whatever after the initial pre-call welcome stuff. The 4th try, someone apologizes and declares they are busy. Well, I expect they are busy ALL the time. The system isn't designed to handle volume.
The phone service utilizes non-native reps that are often VERY difficult to understand. The Lock & Alert app to lock and unlock your credit freeze is great in theory. Still, you get a letter after EVERY interaction to confirm what you did on the app. Hardly efficient even if it is driven by computers. Trying to get information via email doesn't exist. A timely call-back to the customer would be a nice service but doesn't exist so you are placed on hold. No indication of your place in the queue as most large companies offer. YES, it's a big company servicing untold millions of people BUT in an era of digital communications it appears that Equifax simply doesn't care and it works under woefully outdated processing.
Now I must wait "up to 30 days" for a confirmatory letter that acknowledges AND confirms the erroneous data has been corrected and my identifying info submitted last week is acceptable for that correction. MANY large companies offer a secure email service and utilizes some software like Adobe Sign to get electronic signatures. In my situation, the change of banks to get a change in check deposits should and could be far more seamless. A bank certification should be the simplest way to do this but isn't even on the radar. Trying to accomplish all of this creates much angst and large companies like Equifax simply don't care enough to update their systems to accommodate the volume of customers that depend on them. My mantra has been and will continue to be "Bigger is NOT better".
I called Equifax to do a temporary security freeze lift. I was on the phone with this guy for 30 minutes verifying who I was; he asked me misleading questions so I couldn't be verified. Specifically said "do you HAVE student loans, bank or auto loans?" I confirmed my student loans and the amounts. He continued to ask about more CURRENT loans. I said no because they were NOT CURRENT. Finally he asked about previous loans and I confirmed them. These loans were from over 6 years ago... They are nowhere near current. I was also waiting after the end of the call to leave a review for the worker, and I believe he wouldn't hang up the phone for me to do so. Work on your customer service!!!
This company is so poorly managed and couldn't care less about helping consumers at all. There is no one to complain to about it and they know there is no accountability soooo they do nothing to help. Equifax is not reporting and even though they have ID they won't release the report. It is truly unbelievable.
I had my credit severely lowered because Equifax and TransUnion both gave a bogus credit report to my card company. My brother is on disability and has had problems paying some bills, they used his address and bills on my credit report. I have informed them of the fact and showed our addresses are different but they still refuse to change my credit report. Very sloppy investigating by them when bills come to different names except the last and addresses.
I use Credit Karma to monitor my credit. I had 2 derogatory marks. The first was for a medical bill which I verified was paid in 2014, and never came off of my credit report. I spoke with the collection agency who initiated the collection, they verified the bill had been paid since 2014, and that it should have come off of my credit report a long time ago. The other one was from an electric company for an electricity bill on a rental house. I was unaware I had an outstanding bill with the electric company, as the bill was going to my rental house.
As soon as I realized I owed this bill, I called and paid it, and the company verified that the derogatory mark was flagged for deletion. I spoke with an agent at Equifax who was very difficult to understand, and was told that they would not remove the derogatory marks, though they had both been paid. The collection agencies I spoke with assured me that the derogatory marks would be deleted. They are telling me it is Equifax's fault, and Equifax is telling me that the fault lies with the collection agencies. I am extremely frustrated and very dissatisfied with the response I received from Equifax.
After news broke about the Equifax breach, I went about freezing my credit with all three major credit reporting agencies, including Equifax. I did so using the online portal where I gave them all the usual information. In return, I was given a PIN to be used to lift the freeze at a later date. Well, now it's that later date. I tried using the online portal per instructions, but it stated that my request could not be processed then provided steps to mail my request. They want me to put my sensitive information as well as copies of my ID, another form of identification (such as a bill), and PIN to verify that it is me. That's all fine and dandy, but I'm not exactly confident in sending this physically to them through the mail. So I tried calling them directly. The number given would only begin a freeze or issue a credit report, despite stating that I could request a lift.
Eventually, I found another number that allowed me to talk to actual people. The person I spoke to did not provide me with a name, employee ID, or any other means to reference him or the call. He also had such a thick accent that I didn't understand half of what he was asking of me. Now, I am not usually a person to get upset over such a thing, because I can't criticize someone's grasp of a second language when I only speak one; but when it comes to a job that requires communication via the phone, I really do believe that people should be chosen based on how clearly they speak. That's not the employee's fault, that is the business's.
It was obvious that the employee was frustrated with me when I kept making him repeat himself - not his fault, but, then again, it's not mine, either. I gave him the PIN that was issued to me multiple times. Despite giving that, though, I also had to provide the following: The name of any creditors I had active accounts with AND the balance of those accounts, all the debts I owed AND the balance of those, and also the date I first started the freeze. I understand that this is all meant to verify who I am and protect my credit, but that is the point of the PIN! It was beyond frustrating because I had to access this information right then and there (thank goodness I use a service that aggregates all this for me in an easy to use format that is readily available).
Unfortunately, by the end of the process my request to lift the freeze was denied because I could not recall the date that it was started. I could verify my lines of credit and debt, but not the date that I signed up. I wasn't given an e-mail with this information, nor were there instructions to record the specific day for future use, and I didn't imagine it'd be - that - important. (Silly me.) Had I know all this I would have had the information recorded and prepared. Instead I was left scrambling with this person on the phone steadily getting more and more aggravated with me. Afterwards, I demanded to know if there were alternative methods of unfreezing my credit. He couldn't tell me anything, didn't even mention that it could be mailed, and was generally unhelpful.
I asked to speak to a supervisor to at least see if THEY could give me more information, but he told me that they would ask the same questions and that nothing else could be done. Again, I know that this is meant to protect my information, but they have made the process at all user friendly, and I feel like my credit is being held hostage by an irresponsible company that can't be trusted to protect that information in the first place. This has delayed mine and my husband's to move forward with a small loan to complete a renovation so I can sell our house. My only alternative is to risk sending my personal information through the mail and hope that 1) it isn't stolen and 2) hope that Equifax actually performs the lift. Needless to say, I'm not at all confident that they will bother.
Equifax expert review by Barbara Friedberg
Equifax is one of the three biggest credit bureaus in the United States. They work with over 800 million consumers and 88 million businesses worldwide. Equifax has grown from a consumer credit company into a multifaceted information company.
Equifax Complete Premier: This subscription product provides three-bureau credit scores, provides alerts about suspicious activities and helps monitor your credit and Social Security number. This product is also available in a family plan.
Credit reports: Consumers may choose from a credit report from Equifax or a credit report from each of the different credit reporting agencies.
Fico products: Equifax offers a Credit Score Watch program which monitors the consumers FICO score. Their Score Power program includes a personalized score explanation and score simulator.
Credit report assistance: Equifax assists consumers in obtaining their free annual credit report and disputing information on a credit report. Additionally, individuals may request a fraud alert and place a security freeze on their report.
Credit education: The Equifax educational portal informs consumers about credit scores, credit reports, credit monitoring as well as identity theft protection.
Trusted: Equifax is one of the major credit bureaus and has a highly regarded reputation.
Best for: Victims of identity theft, consumers who have a major upcoming financial decision and consumers who need monitoring.
Equifax Company Information
- Company Name:
- Year Founded:
- 1550 Peachtree Street, Mail Drop 65
- Postal Code:
- United States
- (800) 685-1111