Q&A for How to Contact Equifax

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How do I know if my credit info was involved in the Equifax security breach?

Community Answer

Contact them as soon as you can. It is their legal obligation to tell you if your information has been involved.

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How can I submit to Equifax, Transunion, and Experian a satisfaction of judgment, in order to correct my credit report?

Community Answer

The lender should have already done so. If not, you would need to file a dispute, and provide written and verified evidence that the judgement was satisfied.

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Question

Equifax lists my credit as poor, yet Chase just doubled my credit line. I am well within bounds of good usage, what can I do to get them to correct this?

Community Answer

Equifax is a credit reporting agency, when you get things like "usage reports" and "credit scores," even if they are from Equifax, they are subjective. Most banks use either FICO or an internal scoring algorithm to judge credit worthiness. That's why Equifax might tell you your score is 720, but another company might say 710. Take all of these "recommendations" with a grain of salt, it is indeed important to keep your credit utilization low, but there is no magic number that will increase your credit worthiness. Also, remember that it takes up to 60+ days for credit reports to update, so if you just got a credit limit increase, it may not be reflected on your credit report yet.

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Question

How do I find out why my Equifax score went down?

Community Answer

The score is system-generated. It would be better if you have a monitoring service directly from the credit reporting agencies.

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Question

TransUnion shows 17 credit cards on my report. Equifax shows 20. The 3 extra have been long closed and each have a $0.00 balance. How can I remove those 3 credit card reports? TU credit score 810; Equifax 798. What can I do?

Community Answer

Different credit reporting agencies keep information on your report for different amounts of time. You can try to send a letter to Equifax, asking them to remove the accounts, but they probably will not.

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Question

How can I get in contact with customer service?

Community Answer

Call 1-888-548-7878.

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Question

How do I get in touch with someone at Equifax? I only get the automated system. I sent a request for my credit report in December 2015 and have not heard anything.

Community Answer

Call the Customer Service Number to get through quickly and they can help you with your concerns.

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Question

I need to put alerts on all three credit bureaus. How do I do this?

R2_d2000

Top Answerer

Check out the wikiHow article How to Put a Fraud Alert on Your Credit Report . You only have to tell one of the bureaus that you want to add a fraud alert, and that bureau will notify the others.

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