Equifax

From LoveToKnow Creditcards

Along with Experian and TransUnion, Equifax is one of the three major credit bureaus. This particular bureau has over 107 years of solid history as an information provider and S & P 500 Company. They employ more than 4.600 in 13 countries and report $1.4 billion in annual revenue.

Equifax offers unique products and services.

As a global service provider, they have customers across a range of industries including financial services, retail, healthcare, telecommunications, government industries, and many more.

But, the most important resource Equifax possesses is the consumer. The information this credit bureau generates helps lenders determine the creditworthiness of individual consumers.

With their information, they are able to enlighten, enable and empower consumers to understand their credit and to facilitate better relationships with lenders and debtors.

Contact Information

Equifax is consumer friendly, and the company provides many different ways in which to contact them. To learn more, write to:

Equifax Credit Information Services, Inc
P.O. Box 740241
Atlanta, GA 30374

They also have all of their customer service information on their website.

Online Contact Information

You can find more information at Equifax Online. This site offers unique products and services not available through the other credit bureau websites, including Score Power and the ability to dispute inaccurate Credit History information online.

Learning Center

The online learning center provides information on:

  • Improving your credit
  • Understanding your credit
  • Identity theft
  • Credit fraud
  • How to qualify auto/home loans
  • Loan calculators
  • A Terms gloassary

This makes their website a powerful resource for consumers to improve their financial situations.

Score Watch

Score Watch is an online feature that allows you to monitor your credit score on a daily basis. If any unusual or suspicious changes are made to your credit report, Equifax will notify you by email.

The focus of this feature is to provide additional protection against identity theft and credit errors. With Score Watch, you may be able to catch thieves before they cause major damage to your credit and your identity.

Score Power

Score Power allows you to evaluate your FICO score in comparison to national averages. It includes a graphic display of how lenders view you as a borrower and how you compare to others in any zip code or state, as well as other different categories.

One of the most unique features of Score Power is the interactive score simulator. This is a tool which shows you how future credit improvement actions may change your credit score.

Rate Finder

Rate Finder is an online tool for homeowners who want to see the current mortgage rates for different types of loans. To use this feature, you will need the type of loan you need, your location, and your FICO score.

Equifax Security and Toolbar

Equifax offers their own toolbar, which contains some unique features. The main objective of the toolbar is to prevent consumers from falling victim to online scams and bogus websites. The toolbar displays a safety rating for each page you visit and alerts you if you enter a page that is in a database of known scammers.

Phishing

The toolbar also addresses phishing. Phishing is the term used to describe the practice of creating fake websites in order to steal credit card numbers and social security information.

Equifax Business Solutions

This credit bureau provides a line of business solutions, such as:

  • Business to consumer information
  • Business to business credit information
  • Direct marketing solutions
  • Technology solutions
  • Data breach services

These solutions are all geared toward helping businesses identify low credit risks and to better target consumers and other businesses.

Consumer Friendliness

As you can see, Equifax is one of the more consumer friendly of the credit bureaus. They provide lots of useful tools for both the consumer and business client. The amount of time and money you can save by using their tools can easily reach into the thousands of dollars.


 


Comments

Lois,

LoveToKnow Credit Cards is an information site and is not affiliated with any credit bureau or credit card issuer. Our goal is to provide you with the information you need to make decisions.

You should write a letter back to Equifax explaining the two inaccuracies. The Equifax address is included in the above article. There should also be an address and phone number for Equifax listed on the credit report that you received from Credit Alert.

If you want to contact HSBC retail services you can call their customer service department at 800-975-4722.

Thank you for your question and for visiting LoveToKnow Credit Cards.

-- Contributed by: SusanWeber

I received received my credit report, as done by you, from an agency called Credit Alert. There are two inaccuracies. One is an account you call GE money which has been closed for some time. The other is HSBC retail serices--for which you list revolving credit of 14,000 dollars. I cannot reconcile this account with any that I have. I have searched for a phone number to contact you but am unable to find one. Please contact me and let me know how I can contact this HSBC since the phone number provided is not a working number.

Thank you. Lois Richer

-- Contributed by: Lois Richer

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