I've received 2 letters in the past month from Equifax, both look like form letters. They indicate that a 'negative' item has been reported and it 'may' impact my credit score. They want me to sign the form, include my SSN and mail it back to them. I just reviewed my credit reports (all 3) less than 2 or 3 months ago and everything is in order. No collections, no lates, nothing. I am paying off one credit card that has a balance. Even with a balance, it's still less than 30% under the maximum amount. I do have student loans, but I'm in forbearance right now. So, I know that's not rated as negative. Plus, I just received a quarterly statement from them and nothing is late, now was there anything on the form indicating 'late'. I have a few medical bills, but I'm on payment plans and paying everything on time as scheduled. Since I ordered my 3 free credit reports about 2 months ago, I can't order them again. I'd rather not pay for them right now, if I don't have to. Has anyone else every received anything like this? Is it a scam? A ploy to get you to pay for something from equifax? Both letters have been from equifax. I've never received a 'final notice' from anything. I'm at a loss at to what it can be since it's only from one agency! Help!