Equifax

All I can say is they keep charging me, giving terrible service when I call and the people that work there act as if they have no life inside of them. They still can't email me proof that I won't be charged as they say we can only give verbal information. This place is a JOKE. Don't waste your money. Go with Transunion.

I’ve been dealing with a dispute on Equifax for awhile. They can never verify me, yet the same info with the other two credit companies have no issues asking the same information. When they connect me to a agent their system is always down. The dispute I turned in is a no brainer. It’s been over a month and I’ve not heard a thing from them. Dispute is not even on the item I’m disputing. This last month my fico has done up 60 points with 2 out of 3 companies. Not Equifax. It went down. So from not being able to verify me, to every time I call the system is down, so I can’t be helped. Sounds shady to me.

I paid down 2 installment accounts and one of my credit card companies increased my line of credit by $100. As a result, Equifax dropped my score by 50 points! The kicker is the credit card company sent me the notification they were increasing my line of credit because of excellent payment history. I didn't apply! The other credit bureaus increased my score. How does it make sense to decrease someone's score for good consumer behavior and practices? Does not make any sense to me. Only Equifax does this and in my opinion... that's the worse practice ever. How do you overcome this????

This company constantly tries to get you to sign up for a monthly monitoring with “Boost”. You must select NO to a pop up each time you log in or you will be charge for a new membership ($24.99) without even knowing. Those boost points will stay on your credit as long as you continue to pay Equifax each month for that membership. As soon as you cancel your Equifax accounts, all these boost Fico scores you worked so hard for will disappear. A complete scams while acting like they are helping you “monitoring”. AVOID!!!!

Manier times their Customer service reps don't even know what they are talking about! Every time you call and you get a different information for the same problem. They have no idea why the score is, what it is, all they know is general, like pay bills on time etc etc. They always blame that the system auto generates the score and they have no idea about that. I argued many times that nothing has changed to my report, bills paid on time, no extra usage on credit cards, it is only 30% and no any credit inquiries and everything else is in place as last months and so then how come the score came down by 5-10 points and they had absolutely no answer and no idea. Also, If you fight for any dispute, the response is very late. Looks like they don't even know what they are doing? It is one of the biggest Credit Bureau and very sadly it is so damn poor in terms of service and knowledge.

I recently disputed the last two negative items on my credit report with valid reasons. These items were removed from Transunion within 48 hours. They are still showing with Equifax. Tonight I went to their site from Creditkarma's site once I figured out that I would probably have to dispute the negative items all over again with Equifax and when I entered the required information the first time I got a try again later our system isn't operating. Five minutes later I enter the info again and now I get "You must call customer care." So, I call customer care and after telling the computer things I'm pretty sure the government doesn't even know about me I finally get rung thru and YEP it's the computer guy again telling me they're closed.

I’m in the process of buying home and my lender has told me that in order to be approved for a mortgage with the best possible term, I should have any disputes removed from my credit files at all three credit bureaus and any consumer statements removed as well. To do this, I had to call and speak to customer support personally at Experian, Transunion, and Equifax. I called them all on Jan 31st. Both Experian and Transunion removed all of my open disputes and consumer statements while I was on the phone with them. Equifax, however, told me it could take up to 30 days to have them removed. Why does it take 30 days to remove the disputes that took me only 30 seconds to add back in 2018!

I've been having issues with Equifax for quite some time now. Among many other issues-- when something positive happens on my account, there's hardly ever a positive change to my score. The same information that is on Equifax is the same information I have on Transunion and Experian; yet, I'm always seeing it being reflected with a positive score change with each company except for Equifax. Equifax, is the only bureau that constantly take more than they give, from my experience. Just this past December there was a slight change (increase) in my utilization and it dropped my score on Equifax by 13 points!! 2 points on Transunion and 4 points on Experian. Now here come January-- my utilization decreased to 0% because I paid everything off, and wanted to give the system time to reflect the changes.

So about 3 weeks ago I had 5 collections showing as open, all medical collections, on all 3 reports I paid those 5 collections off at that time to the original creditor. As of last week TransUnion and Experian have removed them all. Excellent, faster than I could imagine. Equifax, however, has not. I went through the dispute process which I can only do one at a time. Did not help. I have tried on several occasions to log in to their website. To only find it always tells me I can't log in at this time. Please call customer service.

Exact same experience as reviewer: Paul of Crockett, CA. This Company should go out of business and we're fine with Transunion and Experian as our credit reporting agencies. First, Equifax got security breached and compromised millions of people's information and now they're unusable as a credit agency. And yet we consumers are required to use them to get credit. It's a big scam.