Equifax Opiniões 

This is the worst company for recording credit score. They punish you for everything from enquiring about utilities to loans or part payments plan. There response to down grades customers by huge margins. I have experienced down grades of 80 points twice now and I know of people who have had higher amounts. They get away with doing this because no one is checking on them or regulating them. Beware of this company and the power they have

Ive have used Equifax for years, against my better judgement. Older execs said "they are great". Right. Got it. This is what I am forced to endure daily:
1. poor service - their reports are junk
2. poor employees - most have no idea what to do
3. poor prices - they added $300 as a "fee" for nothing.
4. poor communication - they send an email that DEMANDS you answer them at once. But, no one answers your email.
5. poor follow up - see # 4
6. poor service details - they dont say what they do
7. errors are not corrected - they billed an extra $312. When I questioned it and the info. they gave, they said I was wrong. No proof, no nothing. Bill is due. Even though their "facts" contradicted reality.

Equifax is the WORST credit agency. Once these old goats retire, I am tossing this shtpile loser at once.

I called and asked to speak to a manger because they simply refuse to update my account. I sent certified mail of proof of my identity and they still block my account. They say they need the documents again and again, but they never update any information. I cannot get a home loan unless they can be verified. The manager kept reading computer prompts over and over instead of addressing my concerns. Wish I could file a lawsuit.

If I could give zero stars I would.. Terrible decision and description of me the way I handle my money..They are a rip off only concerned of their profitability.. Definitely don't recommend

If, I could give zero stars I would. For such a popular credit report company, you guys are crooks. I cancelled with them back in July, 2024. Since then, they have managed to go into my account and take payment in August, September, October, and November. I filed a dispute, and that takes up to 10-30 days, just for them to look at the dispute. So, now I will have to cancel my credit card. I should not have to go through all of this. BEWARE!

When it comes to something as important as a credit report, consumers should have every option possible to fix inaccuracies as easily as a creditor can affect it. It seems as though creditors have more rights over our credit profile than we do. It's unfair that a consumer can't easily dispute inaccurate or unauthorized items. When it comes to hard inquiries from rate shopping, if there are several inquiries in a certain time frame, it would be good to see those inquires categorized together so it's easier to tell they are considered as one inquiry. So, we know it's only affecting our score once. The way a consumer sees these, when reviewing a credit report, it appears as multiple inquiries, therefore they might be adversely affecting a credit score individually for each one. From personal experience it's very difficult to contact a "request to delete" from these creditors because many creditors don't keep a record of the credit pull. To dispute a Hard Inquiry, it is required to obtain a request to delete from the creditor to move forward with the dispute. Even though rate shopping inquiries has a small effect, those few points literally make a difference to creditors. They have a bottom line for a minimum score to be considered for any credit applications. Please consider making the dispute process easier as well as categorizing rate shopping inquiries together so it's known that those are affecting a credit score as one

Equifax have constantly screwed me over on my report, had me at addresses amd linked to bank accounts and credit that wernt mine but of a person with the same name, when given evidence of the same name but different dates of birth and middle names, it took about 2 years to correct it, ontop of this, i used a credit card to pay a court to take action for me and they dropped my score by 57 points citing credit card cash withdrawel, i have never withdrew cash from a card in my life and the bank has informed them of this yet they wont ammend my score, it takes your years to gain 5 or 10 points for no missed payments yet the slightest issue and they hammer you. Recent example, my score dropped 97 points this week because paypal said i was late on payment for a loan, when shown my account in their app had completely different information i.e different due date, due amount and minimum payment due they complained equifax instead of fixing the issue despite me settling the £1012 im full rather than pay the minimum £54. Complained to equifax and they have done nothing. Beyond a joke, you cant have debt without having debt but debt negatively impacts your score and overpaying or settling early negatively impacts your score, having no debt negatively impacts your score, searching for loans or mortgages negatively impacts your score, doing everthing they say to do negatively impacts your score. The worst part is the very little gains for hard work keeping it correct i.e 5-10 points per 24 months compared to the sharp 50-100 point drops for a mistake they make or because a company like paypal f@ck it up and complain despite being proven its their mistake. Just another way for the elites to keep you down. I earn £100k a year but the way these companies score you, you would think i was on the dole.

If could give zero stars I would!

This credit report company is a total joke! I recently had issued with a mortgage application and found out the bank in question - Natwest- uses Equifax. I got an account just to see what was on it and it is all wrong! It has me not registered on an electoral register and I have been registered in Scotland where I live since December 2021!!! In addition, they have a credit card which I haven't had for 3 years!! The addresses attached to all the credit cards is an address I haven't lived at for almost 4 years. The information is entirely incorrect and it has caused an issue for me with a mortgage application. Needless to say I won't be using Natwest as my bank going forward. The fact they would use such a RUBBISH company is beyond belief. The irony of it as that I also have two credit cards with Natwest and they can clearly see my address is the one on their statements. To add insult to injury even after I have provided Equifax with a letter confirming my electoral registration and screen shots of my statements showing my correct address - they expect me to wait up to 8 weeks for them to fix it and address my complaint. UNBELIEVABLE!!!! I will certainly ensure any bank who uses equifax I will NOT be applying with or giving my money to. Experian is superior in every way. Totally ridiculous!!!!!!!!!!!!!!!!!!!!!!!!

I never used the service for weeks after I had to set it up and didnt want the subscription, but they said tough you should of cancelled it. They get your payment details, then rely on you not cancelling it before the trial ends and then they profit on your misfortune. It's all a big con so they can make money and it shouldn't be allowed!

I recently had a very disappointing experience with Equifax that I feel compelled to share. While I initially signed up for their services with high hopes, the process of canceling my subscription has been nothing short of a nightmare.

First off, their website is confusing and lacks clear instructions on how to cancel. I spent what felt like hours searching for the right link, only to be directed to a series of dead ends. When I finally found the cancellation option, I was bombarded with endless prompts and offers to stay. It felt more like a sales tactic than an actual service.

To make matters worse, I attempted to call their customer service for assistance. After waiting on hold for an eternity, I was met with a representative who seemed uninformed and unhelpful. I felt like I was speaking to a robot rather than a person who cared about my issue.

In the end, I had to jump through hoops just to get my subscription canceled. This experience has left me frustrated and disappointed, and I can’t recommend Equifax to anyone looking for a straightforward service. If you value your time and sanity, I suggest looking elsewhere. (the agent just hang-up without saying goodbye).

A few days ago Equifax had removed an account that was over 7 years old from my credit report. This caused my credit score to go up by 33 points. Today, Equifax put that very same account back on credit report even though they removed it a few days before. This caused my score to drop by 47 points. Once an account reaches the 7 year mark it must be removed. As it stands, their action is a gross violation of the fair credit reporting act. Shame on you Equifax for your false reporting.

Yesterday, September 7, I had an excellent experience with an Equifax supervisor “Divya.” She was professional, smart, kind, and effective, we resolved my issues quickly. Thank you.
Christopher Bayer PhD

Terrible customer service. Kept constantly closing my fraud cases even though they weren't resolved which didn't help in a distressing time. It took over 2 months to get my credit report even though I'd passed security and given all the info they needed. After I received my credit report, they then sent over 20 identical letters requesting more information for my credit report which turned out to be a company error but I had to reach out to them to confirm it wasn't further fraud. They then took over 3 months to respond to my complaint about them which they decided to resolve by sending me a copy of my credit report (which I no longer needed) but actually was another letter that was identical the 20 they'd already sent previously. This is a company that is inefficient and provides appalling service, avoid.

The internal lock is hell getting removed. It's Equifax's fault. If your systems were stronger, you would have not gotten hacked. And I would not have to deal with the dreadful customer service team. I cannot say all of them, but the ones that I have worked with has been a nightmare. Please close down. What is the point of existing as a company? Then you outsource the call center to the very people that should not have the job. So backwards. Bring the jobs to America. PLEASE. I want no dealings with Equifax. It's unfortunate that I do not have a choice.

Why do they exist??? I simply went to temporarily lift a freeze and it was a nightmare. Went to login and was immediately blocked and made to call. They're plagued with a multitude of customer service issues only to blame it on the customer doing something wrong. From breeches to dumb security questions that had nothing to do with my past/current credit to being locked out because I answered "NO" to them. To being on hold for over 40 minutes just to get thru to a rep. To attempting to send a picture of my DL only to be told the site cannot receive the app. THIS has been going on for years with them. Is their an oversight body one can complain to?

Was trying to restore a freeze that was temporarily lifted. Experian and Transunion make it simple with the click of a button. Not so with Equifax. It's as if they never considered you might want to restore a freeze early. And their phone lines are overwhelmed with consumers trying to get help.

I would use a negative 5 star if possible! Have not been able to get logged into for a year. The same process happens everytime. Try to login, get locked out - call customer service - then get an email that says its resolved - answer the questions with my personal info in the link my equifax dot com - then get this message - Please give us a call
We can't complete your request at this time.
Please call the Customer Care team
1-888-EQUIFAX (1-888-378-4329) - then told by customer service that the TECH team will email me and no email ever comes - !!!
Its an ever ending LOSING LAP!! HORRIBLE!!! Every call takes an hour or more on hold!! Cannot login to to acct to unfreeze and lock !!

They claim they get their intro from Experian but my score with experian is way better the equifax report matches none of the 3 major credit places but when I ask they say our records match when I can get on anyplace that has a report and match what it says and they are the only ones that doesn’t match any other place with my report and yet any place I apply that needs credit they look at equifax what a load of crab they only place giving me a bad score and shouldn’t mean anything is the only place that gets referenced when I’m denied it’s rigged and I feel they shouldn’t be a thing anymore

Was on hold for 40 minutes without having ever heard a human voice. Equifax reported a Discover account that wasn't mine to my bank. This account doesn't exist anywhere, but it's attached to my name. I called discover to try to have it removed. Their hands were tied because it didn't exist on their end. The mistake must have been on Equifax, but it's impossible to get through. I had a difficult time logging in because they still went by my old name despite having disputed and updated my married name. They need to close because they only cause harm to people.

For two consecutive days (8/17 and 8/18), I have attempted to freeze my credit report on Equifax. I have completed required information, but every time I submit the data, I receive a "server error" message that says "try again later." Transunion and Experian worked without a hitch. Since Equifax reports my credit score on one of my credit cards, why is it so dysfunctional?