How do I update the personal information within my credit file?
Contact each of your creditors and make sure that they have your personal information correct in their records.
As your creditors report information to Equifax, the current information in your file will be updated. If you
forget to update your personal information with any one of your creditors, they will continue to report incorrect
information to Equifax. Equifax will then update your personal information to reflect your outdated or incorrect
information. Updating your personal information with your creditors first will ensure that information reported
to Equifax by your creditors is correct. After contacting your creditors, you may also contact the dispute center
and request that your personal information be updated or corrected
Why Lenders Use Scores:
Typically, lenders want to see how you have fulfilled your credit obligations in the past to help them determine
if they should approve your request for credit now, and to help them determine the terms of that credit.
A FICO® score is a valuable guide to future risk based solely on credit file data. The higher the score,
the lower the risk to lenders when extending new credit to a consumer. The score is an objective measurement of
your credit risk at a particular point in time. Lenders may also evaluate other types of information...
such as data you provide on the credit application (for example, income, how long you have lived at your residence,
other banking relationships you may have) in their loan evaluation process.
How can I dispute inaccuracies on my Equifax Credit Report?
As stated in the FCRA, you have the right to dispute information that you feel is being reported incorrectly
on your Equifax Credit Report™. You are able to initiate an Online Dispute immediately or you can contact our
dispute center at the toll-free number listed at the top of your Equifax Credit Report™. You must have a current
copy of your Equifax Credit Report™ and your ten-digit confirmation number to complete this process online,
which is found at the top of your Equifax Credit Report
To initiate an online investigation, Online Dispute. Your investigation requests are covered by the FCRA.
Additionally, you can dispute inaccuracies via US mail by writing to:
Equifax Information Services, LLC
P.O. Box 740256
Atlanta, GA 30374
Learn about all of the above information and more...