When to Consider Equifax Disputes
Processing an Equifax dispute is easy and free. Since federal law gives everyone the right to check the data the credit bureaus —Equifax, Experian, and TransUnion—have collected, you can have access to your credit record anytime you may need it.
By making it a habit to check your credit reports regularly, you can ensure that all your information is correct. You can also avoid having your credit scores affected by some errors and file a dispute.
Things to Always Check on Your Equifax Credit Report
Once you obtain a copy of your credit report, you can see the summary of your entire financial history. For you to determine if there are any inaccuracies, check each of the following information below:
If ever you see incomplete or wrong details on the report, please contact your creditor that issued the account. You can also contact Equifax (and other credit bureaus) that released and issued the report. For all recent payments made, it can take up to 30 days to reflect on your credit report. Therefore, some transactions may not appear on the report yet.
To help everyone monitor their credit report, Equifax offers two free credit reports per year if you sign up for an account to myEquifax. Now, it is easier to get access to your reports anytime you need them and monitor them regularly.
How to File an Equifax Dispute?
There are three ways to file an Equifax dispute if you see any inaccurate information on your report.
Filing a dispute online is the easiest and most convenient way, especially nowadays. Just visit the Equifax dispute portal. You need to have an account first by registering on myEquifax. After that, you now have access to your credit report and can file a dispute.
For supporting documentation, you only need to upload a scanned copy or a clear photo of those files. After that, you will receive a 10-digit confirmation code. If you want to check the status of your claim, visit Equifax’s dispute portal page. Once the results are out, Equifax will contact you.
If you prefer to talk to a representative via phone call, you can contact Equifax’s contact number 866-349-5191. Follow the automated instructions on how you can speak with an agent and file a dispute.
If sending mail is more convenient for you, you may do so as well. All you need is to write a credit dispute letter. Make sure the letter includes your name, current address, Equifax report confirmation number (which you can see on your credit report), Social Security number, date of birth, and the reason for your dispute.
Indicate in the letter which of the items needs correction and explain the details why. If you need supporting documents to prove your claim, photocopies will do.
Equifax will also respond to you by mail, so check your mailbox often to avoid missing their response.
List of Documents You May Need For an Equifax Dispute
When filing an Equifax dispute, you may need supporting documents so they can understand the reason for your request. To help you out with the documentation, here are the types of documents you may need to provide. Once submitted to Equifax, they will proceed with the investigation.
Those with typographical errors or who want to update their personal information can send a copy of their:
– birth certificate;
– utility bills; and
– valid driver’s license.
If you encounter wrong information on your account, you can submit a copy of your:
– current bank statements with your account information;
– any proof showing the account was the result of identity theft; and
– letters from the lender stating the corrected account.
For other information outside the scope of the written information above, such as bankruptcies, public records, etc., here are the documents you can submit:
– Bankruptcy schedules;
– other court documents;
– student loan disability letters; and
– canceled checks.
Things to Expect After Filing an Equifax Dispute
After filing an Equifax dispute, you need to wait 30 days for them to investigate. Then, they will respond to your claim. If they agree with the dispute, they will correct the information on your credit report. To check the changes, you can do it online by visiting Equifax’s dispute page and logging in your account.
Sometimes Equifax will reply that the information displayed is correct. Contact your creditor and other sources, so they can correct the information since it will also appear on Equifax’s records. Then follow up with Equifax for confirmation.
If you manage to file an Equifax dispute, you also need to do the same to other credit bureaus. Filing a TransUnion dispute and Experian dispute will ensure that all your details are correct in all bureaus. It will also help you correct some errors that may affect your credit rating.
Repair Your Credit With 007 Credit Agent
For those who had their credit score affected by any inaccuracies on their credit report, you can contact 007 Credit Agent for credit repair. We can assist you with filing a dispute and fixing your score, so you can achieve a better credit rating. Please contact us for a consultation, and we will help you with everything you need to fix your credit.