Dispute Equifax Credit Report
Question:
Which ways should I use to dispute Equifax credit report?
Answers:
The first step will always be to get a credit report directly from the Equifax credit bureau. If you were denied for a loan product and they pulled Equifax, contact the Equifax number listed on the denial letter to receive your free credit report directly from the Equifax bureau. Don’t use the credit report provided to do the dispute. You can also get a free credit report from AnnualCreditReport.com.
You can also order your Equifax credit report directly from their website. Once on the Equifax website, click on the single use product link to place your order. Once you've downloaded your credit report, you can dispute right there on the website line by line. Downloaded credit reports can be at times harder to read than those sent through the mail.
Another method to dispute is to take the report you downloaded or received by mail and call the toll free number listed on the credit report itself. Let the agent know which account you want to dispute and give the reason using some of the codes listed on the credit report. Be short and sweet with your dispute reason, as it is up to the Equifax credit bureau to verify the information listed.
You can also draft a letter and mail in your disputes based on what you find on the credit report. Still use specific reasons as you see listed on the credit report or use the reasons shown after signing into the website. A final way to dispute Equifax credit report is to use the credit report itself. The final pages of Equifax should have the area where you can go line by line to dispute.
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