How to Read Equifax Business Credit Report

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Equifax, one of the three major credit reporting agencies, provides contact information on all of its free annual credit reports. However, information technology is also easy to contact Equifax without requesting a report. Equifax responds to questions, comments, and requests online, over the telephone, and even via physical mail, then there'southward always a style to get in touch when you need to.

1. one

   Visit annualcreditreport. com to get your free yearly report online. Did y'all know that you are guaranteed ane free credit report each year? Under the Federal FACT (Fair and Accurate Credit Transactions) Act, every U.Southward. consumer is entitled to one free credit written report every year from each of the "big three" credit reporting agencies (including Equifax). To request your complimentary report, click here to visit annualcreditreport.com, then:

   • Click the "Request your free credit reports" button.
   • Click the "Request your credit reports" push button on the next page.
   • Fill out the form with the requested information, pressing "Next" at the end of each page to keep.
   • Follow the prompts to asking your reports. Note that, with this method, you can get a study from Equifax, Experian, TransUnion, or all three agencies.^[1]

2. 2

   Phone call one-877-322-8228 to request a credit report via phone. ^[2] If yous don't have an internet connection or prefer not to use 1, using your phone is the 2nd-quickest option. Follow the automatic prompts you hear to complete and submit your request. You lot'll need to supply some of import personal and financial data to complete the request — come across the "What You'll Need" section below for more than information.

   • As with the online method, you can request reports from any combination of the three agencies when ordering over the phone.

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3. 3

   Postal service in the request form. If y'all'd adopt to receive your credit reports by mail, use the official request form provided by the Federal Trade Commission (FTC). The class is (bachelor here via the FTC website).^[iii] Utilize the "impress" pick to impress out the form (you'll need access to a printer), then fill out the required information.

   • When yous're done, fold the form (don't tape or staple it), seal it in a #10 envelope, and address the envelope to:

     Almanac Credit Report Request Service

     P.O. Box 105281

     Atlanta, GA 30348-528

   • Exist sure to check the bubbles at the bottom of the course for the agencies that you'd like to receive a written report from.

4. 4

   Don't contact Equifax direct for credit reports. Equifax (besides equally Experian and TransUnion, the other major credit agencies) practice not handle requests for credit reports directly. If yous contact the customer service department as Equifax or one of the other agencies to get your gratuitous credit report, you will be directed to use i of the methods above.

   • Note that all iii of the methods above permit you to request reports from i, two, or all iii agencies, so y'all don't take to worry about using upwardly all of your free reports at once if you don't want to.

5. v

   Don't autumn prey to imposter websites. If yous decide to asking your free credit reports online, make sure you just use annualcreditreport.com. This is the but site that is officially verified and approved by the FTC.^[4] Other, unauthorized credit reporting sites may not be truly gratuitous — they may, for instance, require you to sign up for a free trial service that will automatically starting time charging y'all if you don't specifically cancel it. Some malicious sites may even be breathy attempts to gather your personal data.

   • This means that it's a bad idea to employ search engines queries like "complimentary credit reports." Many of the results you'll get from these searches will be websites deliberately designed to imitate the "real" free credit report website.

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What You'll Need to Request a Credit Report Download Commodity

1. ane

   Be prepared to provide basic personal information. All of the methods for requesting your credit written report in a higher place will crave you to provide basic information nigh yourself. This includes, but may non be limited to, your:

   • Legal name
   • Birth engagement
   • Current address
   • Y'all'll as well need the address of your previous residence if yous have moved within the terminal two years.^[5]

2. ii

   Accept your Social Security number handy. The major piece of private data that is requested when you lot request a credit report is your Social Security number (SSN). This number is unique for every U.S. citizen and is used for a wide diverseness of of import financial tasks.

   • If y'all don't know your SSN and tin't locate your card, you should contact your local SS office to ask for a replacement. You lot may also call 1-800-772-121 or visit ssa.gov. You will probably be required to show your citizenship with a nascency certificate or passport.
   • Note that, when requesting your credit written report(south), you will have the option to have but the last four digits of your Social Security number disclosed on the report y'all receive.

3. three

   Be ready to supply a express amount of private financial data. You may or may not be required to provide additional information about your finances to become a credit report. The precise information you will be asked for can vary from agency to agency considering the different agencies use different information to put together your report. Being aware of this beforehand allows y'all to gather the documents you'll need to answer these questions. Things you may be asked about include:

   • Mortgage payments
   • Student loans
   • Car loans
   • Credit card payments

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1. 1

   Apply the FAQ to answer common questions. Many of the nigh mutual client service requests at Equifax can actually exist answered via the official FAQ (frequently-asked questions) page. For personal customers, this is available here. At this folio, you will find answers to many important questions, like:^[6]

   • "How does credit reporting work?"
   • "How exercise I correct or dispute inaccuracies on my credit file?"
   • "How do I get a complimentary copy of my credit file?"
   • ...and more.

2. 2

   Visit Online Business relationship Assistance for log-in help. If you have forgotten your username or countersign, you can get them dorsum hither.

   • Y'all will need to verify basic personal data every bit well as your SSN to become your log-in information back.

3. 3

   Use online resources for mutual tasks. You can asking many important functions for your business relationship via Equifax's online infrastructure. See below for specific links:

   • Dispute claims online via the online dispute grade. You will need to take the document you want to dispute prepare.
   • Request a 90-twenty-four hour period fraud warning online here.
   • Place a security freeze on your account online here.

4. 4

   Contact Equifax via phone. Equifax operates numerous different assist lines for various requests and problems. See below for more information:

   • Dial 1-866-640-2273 for general customer service inquiries.
   • Dial 1-888-766-0008 to place a fraud alarm.
   • Phone call 1-800-685-1111 to gild special reports via telephone. This number volition connect you lot to the Equifax automatic ordering system. Notation that this number should not be used to request the costless annual credit written report yous are entitled to every bit a consumer. Use the number in the section higher up instead.
   • To dispute office of your credit study, check the report itself for the correct contact number. You'll be asked to provide the confirmation number from your Equifax credit report.

5. 5

   Apply P. O. Box 740241, Atlanta, GA, 30374 for snail post. If time is not a gene, Equifax will gladly respond to most inquiries by mail. Please include copies of any supporting documentation needed for your request and allow plenty of time to a receive a response.

   • For all-time results, address your letter to "Equifax Credit Information Services, Inc." similar this:

     Equifax Credit Information Services, Inc.

     P.O. Box 740241

     Atlanta, GA, 30374

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1. 1

   Visit the business FAQ folio for answers to normally-asked questions. Before taking the fourth dimension to contact Equifax, yous may desire to check whether your question is already addressed online. The Equifax Business organisation Customer Support FAQ (frequently-asked questions) page has links to many common customer service issues, including:

   • How practice I update my visitor information via fax? (Use 770-740-5223)
   • How do I cancel my account? (Utilize this form)
   • How do I confirm my business relationship balance? (Call 800-685-5000)
   • ...and much more.

2. 2

   Submit a web-based "Service Asking" form. If you're having trouble with your Equifax business organization business relationship, a expert way to get in touch with customer service is to use submit a service request via the official contact grade. Supply the requested data, so depict your problem in the "Boosted Comments" box.

   • You should receive a response inside one business day.

3. 3

   Contact Equifax Business Support via due east-postal service. Equifax has different e-mail addresses for dissimilar types of client service requests. Run across beneath for more information:

   • For general e-mail support requests, contact cust.serv@equifax.com.
   • If you need support specifically for eID Verifier, InterConnect, Determination Power or eID Compare, send an e-mail service to ETSupport@equifax.com.
   • If you demand support for Prospect Select, Equifax List Select, ReadiScreen, TPA Lite or MarketReveal, transport an e-mail to emshelpdesk@equifax.com.

4. 4

   Contact Equifax Business Support via phone. Again, different types of requests require y'all to phone call different numbers. See below for more than information:

   • To enquire nigh condign an Equifax business customer, dial ane-888-202-4025.
   • If you're already a concern customer, contact Equifax business customer back up at one-800-685-5000.
   • If you need back up for Market Reveal or TPA Lite, you can also dial 1-800-865-5000.
   • To contact support for InterConnect, eID Verifier, eID Compare and Determination Power, dial i-877-420-7345.
   • Finally, to get information nearly Equifax Mortgage services, call ane-866-746-3780.

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Add together New Question

• Question

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

  

  Contact them equally shortly as y'all tin can. It is their legal obligation to tell you if your data has been involved.

• Question

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

  

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

• Question

  Equifax lists my credit every bit poor, withal Chase but doubled my credit line. I am well within bounds of adept usage, what can I exercise to get them to correct this?

  

  Equifax is a credit reporting bureau, when yous 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 guess credit worthiness. That's why Equifax might tell you your score is 720, but another visitor might say 710. Take all of these "recommendations" with a grain of salt, it is indeed important to keep your credit utilization low, just at that place is no magic number that will increase your credit worthiness. Also, call up that information technology takes up to 60+ days for credit reports to update, so if y'all just got a credit limit increase, it may not be reflected on your credit report yet.

• Question

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

  

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

• 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 three credit bill of fare reports? TU credit score 810; Equifax 798. What can I do?

  

  Different credit reporting agencies keep data on your written report for different amounts of time. You can try to send a alphabetic character to Equifax, asking them to remove the accounts, but they probably will non.

• Question

  How tin I go far contact with client service?

  

  Call 1-888-548-7878.

• Question

  How do I get in impact with someone at Equifax? I simply become the automated system. I sent a request for my credit report in Dec 2015 and take not heard anything.

  

  Telephone call the Client Service Number to get through quickly and they can assist you with your concerns.

• Question

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

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• If yous have a very brusk credit history or one with periodic "holes" (for instance, if you've been self-employed for a long time), you may demand to supply additional documents (like copies of your SS card, nativity certificate, passport, etc.)

• Don't be afraid to call or e-mail the wrong section — the Equifax staff yous get in touch with should exist able to transfer or refer you to the correct contact.

• To opt out of Equifax mailing lists, telephone call 1-888-567-8688.

Thanks for submitting a tip for review!

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About This Article

Article Summary Ten

If you lot demand to contact Equifax, go to annualcreditreport.com and fill out the form to request your costless annual credit report from Equifax. Alternatively, request your credit report by telephone at 1-877-322-8228. If you lot have a general customer service inquiry, call Equifax at one-866-640-2273. Whether you have a personal or business account, you lot can also employ online resource on the Equifax website to contact the visitor if yous want to put a security freeze on your online business relationship or abolish your account. For tips on how to avoid faux websites when requesting a credit report, read on!

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