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Credit questions
I'm Bo Majors
139 Jennings Cr
Tullahoma TN 37388

I got my Totally
FREE credit report then looked online for credit help and got
frustrated. I disputed,
negotiated
and paid off bad credit. I got new
good credit then put everything I did online FREE to help othe
I read your
website and used a lot of the information you provided and was able to raise
my score from 571 to 671 in 2 1/2 months. Thanks Bo
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Equifax
address
P.O. Box 740241
Atlanta, GA 30374-0241
800-916-8800
Press 2 at each prompt, ignore msgs
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- I am not Equifax but a reasonably easy way to find out who they are, what
they do, and how to contact Equifax quickly and effectively.
- What is the phone number, fax number or address for
Equifax?
Answer: Use the mail because calling a
bureaus’ computerized phone system is more frustrating and less secure
than certified priority mail as recommended by the FTC
- Remember
there a 3 credit reporting bureau’s (Trans Union, Experian and
Equifax) that store my credit repayment habits, files and scores.
- If I have a dispute or I do not have an address or phone number
for a creditor I should
print the official and legal dispute form
with instruction free.
- A 2002 study by the Consumer Federation of America estimated that
tens of millions of Americans are unfairly penalized for incorrect information in their credit reports. More recently, a 2004 study by the U.S. Public Interest Research Group found
that
one in four credit reports contained errors serious enough to cause consumers to be denied credit, housing, or even a job.
Information of how to contact The Registered agent of Equifax
Please exhaust the normal dispute channels before resorting to mailing to the RA and document in your correspondence what efforts you have made to get resolution through the normal process.
In any case where there is a c/o company listed, you letter should be directed to the CRA NOT the Registered Agent. These are separate companies whose business is assisting other companies to incorporate and acting as Registered Agents for them. These companies DO NOT produce credit reports, they have no authority or ability to effect your credit report in any way.
Equifax:
Kent Mast
1550 Peachtree Street, NW
Atlanta GA 30309
You might also consider sending restricted delivery as well for Equifax. This in theory would require that Kent Mast himself sign for it. Kent Mast is Equifax's corporate counsel.
More information about Equifax
I rebuilt my bad credit report and low Beacon score, with the Equifax
credit bureau by getting a credit report online then disputing redated accounts,
duplicate or merged accounts and rouge creditor practices. Mail is the quickest
most efficient, verifiable way to rebuild credit reports with the 3
bureaus. Some credit can't be rebuilt.
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The Equifax Company Inc. maintains records of my credit history sent to
them by creditors like Visa credit cards. Most people have credit files with
Equifax and they use the Beacon Score system which is like the FICO and
Empirica credit scores. These scores can dramatically affect my ability to
obtain loans, insurance, jobs, bank accounts and credit cards.
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Equifax can only report
what is sent
to them buy creditors which can be mistake riddled with credit fraud,
duplicate files, merged files between family members with the same name and
MORE. So it is not all their fault. Creditors and collection agencies can
report anything they want and the bureau has to report it as such. Many times
Equifax is held hostage unless I free them.
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Remember Equifax is an enormous corporation that must keep records on 100+
million people with many creditors each. Such a huge undertaking requiring
such security makes individual phone calls unrealistic. At the very least
the shear size makes keeping perfect records and oversight also unrealistic.
Individuals must take active care to make sure their credit reports are
accurate and up to date.
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