I have been fighting with Equifax for two years now. I simply moved and requested that my security. freeze be transfered to my new state, and that was it. They have shut down my credit file. I cannotaccess it, nor can creditors. There is only one agency that apparently oversees Equifax, but after going through the trouble of complaining with them (Consumer Finance Protection) ALL they say is, "Sorry, we can't represent you." Huh? This is a government agency that supposedly oversees Equifax, but the best they can do is suggest I sue Equifax? Does anyone have interest in a class action lawsuit? I never signed up with Equifax, I am forced to use them, but here I am held hostage. I cannot access my credit file and the only solution is to sue them? Like I have $$ for something like this.
Again, if anyone is interested in a class action lawsuit, PLEASE e-mail me. In the meantime, any place I apply for credit that uses Equifax, I will and have been denied because they are not allowing anyone access to my credit file, including myself.
I feel completely helpless. Anyone else having similar difficulties with Equifax?
On July 3rd, 2017 we went on creditkarma.com to receive my husband’s credit score, which was at 676 with Equifax and higher with Transunion and Experian, so that we could go and apply for a home equity loan at a Credit Union to consolidate some bills and do some repairs and updates on our house.
We went to the Credit Union and applied for the home equity loan on July 3rd, 2017. We got a call from the credit union on July 6th, saying that our credit score had come from Equifax at 623, which was too low and they could not do the loan. We then got on annualcreditreports.com and got my husband’s three credit reports. After receiving the reports we decided to go to equifax.com and pay $7.95 for his credit score directly from them, which was also at 676, which was the same value as creditkarma.com showed.
The Credit Union says that Equifax gave them our FICO score, which was at 623 and is different. So we went on Equfax again and paid $14.95 for the FICO score, once I found the link which took a while, and it says 623 but doesn’t really give a reason why since you’re looking at the same credit report as you’re looking at for the other number. My issue is this: If Equifax is giving out a fifty-point lower number to places that we are trying to do business with than they are giving to us, (presumably so that we can fix it), what was the point of all the legislature forcing them to be transparent?? This is not transparent. They are still trying to hide what they are doing.
We spent months trying to ‘raise’ our credit scores, like they tell us we need to do, successfully, and then they send a different score that is much lower? How can this be right??
Please show the same scores to everyone involved and how best to work on fixing any issues, like saying that our accounts are 'not paid as agreed' when looking at the exact accounts, they all say 'paid as agreed'.
Also, every time we get our accounts paid down a certain amount, known only to them, they decrease our 'credit limit' on the account so it looks like we haven't even tried to pay them off. Our Care Card started at $5782 and we've gotten it down to $833 but when it says that our credit limit was only $2400 it looks like we didn't care. It also states on that one part that we don't have any open card accounts and this is inaccurate. Our home depot account, which was opened with a $1408 balance when we bought a riding mower and now shows only a $500 limit, is still open and working fine.Our Barclay's bank card previously had a limit of $3000 now shows a limit of $2200 and a balance of $1255. Also, the Capital One card started with a limit of $7500 and we've paid it down to $1745 but now it says that our limit was only $3305. It makes it look like we are doing nothing to pay down our bills, but we are. We just had a really bad period of time when my husband's work was very slow for a few months. At the time we felt lucky that he still had a job as a lot of his coworkers were let go, but we did the best we could.
I went to order a 3 in 1 credit report with FICO scores and got totally ripped off by EQUIFAX with a bait and switch. What they gave me for $39.95 was a credit report "summary" and one FICO score "theirs" after misleading me to think I would be receiving all three bureau scores. Do not purchase anything from EQUIFAX unless you want to be mislead, misinformed and just plain ripped off.
I logged into Annual credit report . com - got my 2 reports from Transunion and Experian but when it came to Equifax, I was asked to verify myself by multiple choice on 4 questions. None applied to me so I clicked none of the above. I was locked out of my free credit report. I made several attempts to contact them. IDK what country they are in but I can't hardly understand them. They would only send me a credit report vs resetting their side so I could get in to see what is going on with this report. I tried chatting twice, and talking to 3 individuals on the phone who were incomeptant. VERY FRUSTRATING especially when I have a right to my own information - but they locked me out of it.
Equifax Reviews
I have been fighting with Equifax for two years now. I simply moved and requested that my security. freeze be transfered to my new state, and that was it. They have shut down my credit file. I cannotaccess it, nor can creditors. There is only one agency that apparently oversees Equifax, but after going through the trouble of complaining with them (Consumer Finance Protection) ALL they say is, "Sorry, we can't represent you." Huh? This is a government agency that supposedly oversees Equifax, but the best they can do is suggest I sue Equifax? Does anyone have interest in a class action lawsuit? I never signed up with Equifax, I am forced to use them, but here I am held hostage. I cannot access my credit file and the only solution is to sue them? Like I have $$ for something like this.
Again, if anyone is interested in a class action lawsuit, PLEASE e-mail me. In the meantime, any place I apply for credit that uses Equifax, I will and have been denied because they are not allowing anyone access to my credit file, including myself.
I feel completely helpless. Anyone else having similar difficulties with Equifax?
On July 3rd, 2017 we went on creditkarma.com to receive my husband’s credit score, which was at 676 with Equifax and higher with Transunion and Experian, so that we could go and apply for a home equity loan at a Credit Union to consolidate some bills and do some repairs and updates on our house.
We went to the Credit Union and applied for the home equity loan on July 3rd, 2017. We got a call from the credit union on July 6th, saying that our credit score had come from Equifax at 623, which was too low and they could not do the loan. We then got on annualcreditreports.com and got my husband’s three credit reports. After receiving the reports we decided to go to equifax.com and pay $7.95 for his credit score directly from them, which was also at 676, which was the same value as creditkarma.com showed.
The Credit Union says that Equifax gave them our FICO score, which was at 623 and is different. So we went on Equfax again and paid $14.95 for the FICO score, once I found the link which took a while, and it says 623 but doesn’t really give a reason why since you’re looking at the same credit report as you’re looking at for the other number. My issue is this: If Equifax is giving out a fifty-point lower number to places that we are trying to do business with than they are giving to us, (presumably so that we can fix it), what was the point of all the legislature forcing them to be transparent?? This is not transparent. They are still trying to hide what they are doing.
We spent months trying to ‘raise’ our credit scores, like they tell us we need to do, successfully, and then they send a different score that is much lower? How can this be right??
Please show the same scores to everyone involved and how best to work on fixing any issues, like saying that our accounts are 'not paid as agreed' when looking at the exact accounts, they all say 'paid as agreed'.
Also, every time we get our accounts paid down a certain amount, known only to them, they decrease our 'credit limit' on the account so it looks like we haven't even tried to pay them off. Our Care Card started at $5782 and we've gotten it down to $833 but when it says that our credit limit was only $2400 it looks like we didn't care. It also states on that one part that we don't have any open card accounts and this is inaccurate. Our home depot account, which was opened with a $1408 balance when we bought a riding mower and now shows only a $500 limit, is still open and working fine.Our Barclay's bank card previously had a limit of $3000 now shows a limit of $2200 and a balance of $1255. Also, the Capital One card started with a limit of $7500 and we've paid it down to $1745 but now it says that our limit was only $3305. It makes it look like we are doing nothing to pay down our bills, but we are. We just had a really bad period of time when my husband's work was very slow for a few months. At the time we felt lucky that he still had a job as a lot of his coworkers were let go, but we did the best we could.
I went to order a 3 in 1 credit report with FICO scores and got totally ripped off by EQUIFAX with a bait and switch. What they gave me for $39.95 was a credit report "summary" and one FICO score "theirs" after misleading me to think I would be receiving all three bureau scores. Do not purchase anything from EQUIFAX unless you want to be mislead, misinformed and just plain ripped off.
I logged into Annual credit report . com - got my 2 reports from Transunion and Experian but when it came to Equifax, I was asked to verify myself by multiple choice on 4 questions. None applied to me so I clicked none of the above. I was locked out of my free credit report. I made several attempts to contact them. IDK what country they are in but I can't hardly understand them. They would only send me a credit report vs resetting their side so I could get in to see what is going on with this report. I tried chatting twice, and talking to 3 individuals on the phone who were incomeptant. VERY FRUSTRATING especially when I have a right to my own information - but they locked me out of it.