How to Contact Equifax Customer Service for a Complaint or Dispute

Read how to contact Equifax customer service for a complain or dispute, but also learn how to access your credit score, identity report, inquire about promotional codes, or set up an Equifax credit report control.

Equifax customer service helps you learn about your credit report and credit score, while providing you with information on less well-known concepts like an identity report, credit monitoring, and score monitoring. Customer support at Equifax can also help you with tools like the automatic fraud alert system and the credit report control.

You probably already know by now that Equifax is one of the three credit reporting companies in the United States. Whenever a person tries to borrow money or use a credit card, whether it’s at the bank, the department store, or the gas station, that business references a credit report either from Equifax, Experian or Transunion, and this credit rating is used determine whether you are trustworthy.

What many people don’t know is that Equifax has a customer service department like any other corporation. Going to the official Equifax website’s support page, you can learn from customer service a whole lot about your credit score, without ever talking to someone in the credit industry. After you have read through the FAQ, you can choose to contact personnel at Equifax by accessing their phone number or sending them an email. But so many of your questions are answered in the FAQ section.

You can learn how to correct or dispute inaccuracies in your credit file, what the security freeze fees are in your state, or how to get a free copy of your credit file. Other concerns covered include removing security freezes via phone or mail, or updating the Equifax credit report upon the death of a family member or spouse.

You’ll also be able to learn about your credit score, what the difference is between an Equifax credit score and a FICO store, and how to improve your credit worthiness. Read about the FICO score stimulator, the “Score Power report”, and what credit information is used to calculate your credit score.

Your identity report gives a snapshot of the identity information held by Equifax, including your name, date of birth, address and known aliases. There’s also three supporting indicators that you are who you say you are. You can check on your identity report, or look up someone else’s.

Beyond the regular state law-required security freezes, you can get the Equifax Credit Report Control lock, which is easier for you to activate and later unlock. You’ll get email notifications of changes, and knowledgeable customer care seven days a week.

You can also use the automatic fraud alert, which is free for 90 days and then $7.95 every month after that, which gives you automatic email alerts about suspicious activity on your account. There’s also “credit monitoring alerts”, which tell you about changes like new accounts opened in your name. Other options include the fast pay plan, “Debt Wise”, a promo code, and debt stacking.

Using Equifax customer service, you can keep better track of your credit situation, whether your concern is protecting yourself against fraud or raising your credit score.


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Any score that is above 750+ can be considered as a good Equifax credit score

Lenders generally use the FICO score, which ranges from 300 - 850, for credit decisions. A score of 720 or above will usually help you secure a good interest rate, but there are other things lenders consider, too (e.g. what your credit report looks like, your income and expenses, if you have a down payment, etc.).

As personal loans are unsecured loans, so the risk factor involved from the lenders’ side is always very high. So, they demand a good credit history of the applicants. If you are applying for a personal loan then you must have a good credit score. For a salaried professional, you should have a CIBIL score between 650 to 750, but if you are a self-employed individual you must have a credit score above 750.

As personal loans are short term loans, therefore the risk factor involved through the lenders’ side is definitely very high. So, they demand a credit that is good regarding the applicants. If you're applying for your own loan then chances are you should have a great credit rating. For a salaried professional, you should have a CIBIL score between 650 to 750 , but if you are a self-employed individual you really must have a credit score above 750.

700+ is an excellent score, never let mine get down to good


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Credit reference agencies: Equifax (Car Loans that Use Equifax)

As the UK’s longest established credit referencing agency, Equifax is used by many lenders. Some will only access an Equifax report, whilst others will also check credit files from Experian, Callcredit or both.

Equifax is one of the credit referencing agencies used by many UK banks including:

Many stores and credit card providers also run credit checks with Equifax. These include Barclaycard, American Express, Capital One, Santander and Tesco Bank.

If you are taking out a new phone or utility contract with BT, EE, Carphone Warehouse, O2, Vodafone or Virgin then your Equifax file may be checked.

Many high-street banks check your Equifax report before offering you a loan. As does some P2P lenders, such as Zopa and RateSetter.

Some mortgages and car finance agreements may also only be offered subject to a successful Equifax credit check.

Lenders can use Equifax to check your credit file

Your credit file shows lenders what you are like as a borrower.

Lenders can check if you have open credit accounts already. They can also see if you are up to date on your payments, or if you are falling behind.

Your credit report helps lenders to assess how much of a risk you are. This may affect the amount of credit that you are approved for if any.

Your credit score could also affect the interest rate that you are offered.

Lenders can use Equifax for identity checks

If a company needs to verify your age or identity, they can do this through Equifax.

They can also verify bank account details, to make sure that a Direct Debit is being set up correctly.

Your bank details may also be verified if you are buying something on credit.

Lenders can use Equifax for consumer data

Businesses can purchase consumer information. Types of data include records of spending habits and behaviours. This is alongside geographic and demographic statistics.

Data can be used for marketing. Companies can better target their ideal consumers, using the insights that Equifax provides.

Facts about you are recorded almost every day. Your spending habits feature on your bank statements. Use of debit and credit cards can be traced. Also, you might offer information voluntarily, as you share things online.

Information is collected by Equifax, where it can be sold under the label of Consumer Data.

Lenders can use Equifax for debt recovery information

The financial data that Equifax holds can help with debt recovery.

If you cannot afford to make your repayments then your creditors may run a check through Equifax.

The credit referencing agency may have insights into your income and your debt levels. This data can prove to lenders that you cannot afford to pay.

Also, your creditors may be able to offer a fair repayment plan if they know that you are in financial difficulty.

Information held by Equifax can be used to check if you are defaulting on your payments elsewhere, or only with one creditor. It can also show if you are applying for more credit elsewhere.

Equifax can make a prediction, based on your current behaviour. They can tell lenders if you might end up filing for bankruptcy, or become insolvent as a result of your debt levels.

Creditors might use an Equifax prediction to decide if they should continue chasing your debt, or if they would benefit from selling it on.


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