Mad Rich

If something is ever wrong with your credit report, then you need to exercise the ability to dispute Equifax. Credit is a very important thing. It can affect your ability to buy a car, a home, or many different items. Equifax is one of the 3 major consumer reporting agencies that track your credit whether good or bad. Sometimes, errors can occur on your credit report and you will have to dispute Equifax. This can be due to a number of things. A bill you paid might not be reflected, you may have a negative credit account that doesn’t really belong to you, or you might need to add some positive credit accounts that aren’t showing up.

To dispute Equifax, you can use a few different methods. You can send in all of your information with a simple mailed letter or you could opt to do it all online. Many people prefer to do it the old fashioned way and send in copies of your Equifax credit report with the errors highlighted. In addition to the credit report, all bills and documents relating to the error should be copied and sent in with a letter explaining the error and the situation surrounding it. This is a reliable way to go about correcting errors if you are organized enough to keep up with these things. Otherwise, another option might work best for you. If your name is John Smith and you have a negative account in a state you have never lived in, you would provide proof that you haven’t lived in that state. This will help the investigators close the case very quickly. If you choose to dispute Equifax online, the Equifax website will walk you through everything you need to do and explain everything very clearly. You should expect a 30-45 day wait as everything is investigated but the time varies depending on the complexity of your dispute.

One of the most common disputes with Equifax is when an account shows up as unpaid even though you have paid it. This can be frustrating so you should take the time to file all of your bills in an orderly fashion. You can attach payment stubs, checks, or money order receipts along with the bills. No credit is just as bad as bad credit in many cases so you can also submit your positive credit accounts that Equifax may have missed. Basically anything that is on your credit report and shouldn’t be is a serious cause for concern. On the flip side of that, anything that isn’t on your credit report and should be is another major cause for dispute.

Even if you resolve your dispute with Equifax, you may have to do the same thing for the other 2 major consumer reporting agencies. Sometimes Equifax will report it for you but to be safe, you might as well do it yourself. You will get a copy of the findings from Equifax along with the results. If these results improve your credit or remove a negative account, you should send them to all the other agencies immediately. These will help to expedite the process and get the ball rolling on fixing your situation.

It can be a stressful process when you dispute Equifax or any other company so you should be prepared for what is ahead of you. If you take your time and don’t get frustrated, you can easily accomplish whatever you have set out to do. The investigators at Equifax are there to find out the truth and will almost always work with you and keep you updated.