Let me first say that Equifax is probably the best user-friendly website for online credit repair disputes. It allows you to dispute unlimited times with or without a 'confirmation' number. Their turnaround time for self credit repair disputes can be the quickest of all 3, and it's my favorite out of the three agencies.
Let's start off by going to their website.
Currently it's located at http://www.equifax.com/ or http://www.econsumer.equifax.com
On the page you will see the 'Online Dispute' tab.
After clicking the tab, you will need to input a 'zip code', and click 'Submit'.
It seems that a different zip code will send you to a different dispute center in the United States. For example, CA has a larger population thus having more disputes. One worker can probably deal with 10 disputes per day compared to a NC worker with 3-4 per day. Larger amounts of work on someone's desk can lead to ineffeciency.
After clicking submit, you will have two choices to dispute. Either you have a 'confirmation number' that is less than 60days old or you can dispute everything manually. With the 'confirmation number' you will be able to dispute a lot quicker. Everything is auto-populated, and you will need to just click on the corresponding field for your dispute.
"If you do not have a confirmation number, click here to start your investigation." This step is for the manual disputes or for everyone who doesnt have a 'confirmation number'. After clicking on the link, it will take you to the next page that will allow you to INPUT everything. Confirmation number ISNT required, but the RED FIELDS need to be filled.
You will need to put the CORRECT creditor's name as it appears on your credit report. You will also need to put the correct account number that appears on your credit report. Putting the PARTIAL number is fine.
You can only dispute 6 items at a time with the manual disputes. If you are disputing Credit Inquiries, replace the account number with 'INQUIRY 05/10/2007'. The date will need to be the exact inquiry date that appears on your credit report. If you have different dates, then you will need to dispute each one. The name of the company that appears on the credit report needs to be filled under the Collection Agency, Courthouse, or Credit Company Name.
Normally, they will remove all inquiries EXCEPT if there's an open account with the same creditor around that inquiry date.
Click on Send Mail to submit dispute.
The great thing about this site is that it allows you to dispute multiple times, and it's FREE! No letters, no phone calls, no hassles.
In case you need to contact them,
800-685-1111
877-528-6488
Equifax Information Services, LLC
P.O. BOX 105069
Atlanta, GA 30348
Credit Repair - Equifax deleting items, and removing credit Inquiries
4 comments • NC Mortgage Lender • October 05 2007 11:47AMComments
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There are literally hundreds of credit repair websites and a lot of them try to guarantee success but the reality is most of them are just a waste of money. They use methods of repairing your credit you can do yourself if you simply google credit repair templates. Their process is very lengthy and requires months and even years to get a lot of things removed and sometimes the bad marks can come back as some companies are very persistent, especially if you still owe them money
There are literally hundreds of credit repair websites and a lot of them try to guarantee success but the reality is most of them are just a waste of money. They use methods of repairing your credit you can do yourself if you simply google credit repair templates. Their process is very lengthy and requires months and even years to get a lot of things removed and sometimes the bad marks can come back as some companies are very persistent, especially if you still owe them money.
The only guaranteed method to repair your credit is to pay off the old bills and get your derogatory balances to $0. "Well that isn't very helpful" is probably what you are saying. Since none of us just have cash laying around to do that there are other things you can do that are guaranteed to increase your FICO score practically overnight and start rebuilding your credit.