topic Re: Can't Access Equifax Report? in General Credit Topics

Can't Access Equifax Report?

shane82388 — Thu, 18 Jul 2013 07:33:05 GMT

I went to dispute my Equifax report and it said the info i entered was wrong and try again...so i kept trying then it said I have to mail in a credit report order form to get my credit report...? I have requested my Equifax report many times before with no problem and the same exact info that i entered...? I havent moved or anything either...

Any idea what could be going on? Im mailing for my credit report tomorrow, but is there anything i can do sooner to figure out why i cant access my report and why my info wouldnt be matching up?

Re: Can't Access Equifax Report?

09Lexie — Thu, 18 Jul 2013 07:52:39 GMT

It sounds like the verification questions are not being answered correctly based on EQ file. Afaik, there's is a limit to how many times an incorrect response can be given before they lock you out.

Re: Can't Access Equifax Report?

09Lexie — Thu, 18 Jul 2013 07:53:08 GMT

****Req move to appropriate board****

Re: Can't Access Equifax Report?

nyancat — Thu, 18 Jul 2013 08:07:31 GMT

It's just a scam. Equifax happily let me sign up for a free trial of their premium service a few months ago (a trial that's very hard to cancel) and there was nothing wrong on the report. But try to get my free annual report or go into disputs? Nope, asks verification questions that aren't from my file. Again, this was happening LONG before I tried the free trial - and for that they asked valid questions, and nothing abnormal was on my report.

Therefore, I'm convinced it's nothing but a scam.

P.S. as further evidence I was able to JUST RECENTLY get a Schwab bank account, which verifies with Equifax, and again - ZERO issues, the verification questions were relevant to me. It's ONLY for free reports/disputes that they give me bogus questions then say I answered them wrong.

Re: Can't Access Equifax Report?

shane82388 — Thu, 18 Jul 2013 08:13:52 GMT

@nyancat wrote:
It's just a scam. Equifax happily let me sign up for a free trial of their premium service a few months ago (a trial that's very hard to cancel) and there was nothing wrong on the report. But try to get my free annual report or go into disputs? Nope, asks verification questions that aren't from my file. Again, this was happening LONG before I tried the free trial - and for that they asked valid questions, and nothing abnormal was on my report.

Therefore, I'm convinced it's nothing but a scam.

P.S. as further evidence I was able to JUST RECENTLY get a Schwab bank account, which verifies with Equifax, and again - ZERO issues, the verification questions were relevant to me. It's ONLY for free reports/disputes that they give me bogus questions then say I answered them wrong.

Wow...thats kinda scary?

Re: Can't Access Equifax Report?

takeshi74 — Thu, 18 Jul 2013 13:58:25 GMT

@shane82388 wrote:
Im mailing for my credit report tomorrow, but is there anything i can do sooner to figure out why i cant access my report and why my info wouldnt be matching up?

Call them.

@nyancat wrote:
It's just a scam. Equifax happily let me sign up for a free trial of their premium service a few months ago (a trial that's very hard to cancel) and there was nothing wrong on the report. But try to get my free annual report or go into disputs? Nope, asks verification questions that aren't from my file.

In my experience there is a "none of the above" option in case a question isn't relevant. It's also possible that info on file isn't correct or that a split file exists. None of your "evidence" proves intent which is a prerequisite for a scam. It's a hassle and I've certainly run into it myself but a scam is something entirely different.

Re: Can't Access Equifax Report?

injustifiiable — Thu, 18 Jul 2013 20:29:32 GMT

I always have some kind of issues with EQ when ttrying to dispute.

It likes to let me access my report via the dispute function for a couple weeks, then lock me out for another couple weeks after answering questions that have "Does not Apply" answers.

It's annoying as hell, actually.

Re: Can't Access Equifax Report?

shane82388 — Thu, 29 Aug 2013 02:50:29 GMT

UPDATE: I tried again after a while and i KNOW i answered the security questions correctly and it still refuses to let me in...ugh...

Re: Can't Access Equifax Report?

lhcole77 — Thu, 05 Dec 2013 18:36:30 GMT

@shane82388 wrote:
UPDATE: I tried again after a while and i KNOW i answered the security questions correctly and it still refuses to let me in...ugh...

I'm starting to have the same issues with EQ. What was the outcome of your situation?

Re: Can't Access Equifax Report?

shane82388 — Thu, 05 Dec 2013 19:04:33 GMT

I think the only time I've gotten my EQ score since last post was from buying it on myfico.com which sucks...

Re: Can't Access Equifax Report?

lhcole77 — Thu, 05 Dec 2013 20:50:00 GMT

@shane82388 wrote:
I think the only time I've gotten my EQ score since last post was from buying it on myfico.com which sucks...

Yikes! You weren't able to resolve it directly with EQ?

Re: Can't Access Equifax Report?

IOBA — Fri, 06 Dec 2013 02:12:41 GMT

Since this post started in July, I have had the same issues. Could not access my Equifax report for free (annual report), or make disputes. I go through the same stuff and I *know* my answers are correct.

Add to that, two of my banks pulled Equifax file. Neither had a problem. And a new account is reporting to Equifax (opened last month) and that was one of the security questions that was asked!

Today I signed up for a credit monitoring service. They had no problem pulling my Equifax file. I actually had the current file up, used the service's link to dispute with Equifax, and answered the security questions exactly as they related to my Equifax credit report. Still no go.

Called the phone number - which has worked for me in the past - to order my credit report. No go. Said I had to mail in a lot of paperwork to verify who I am. I will call my "live" person number tomorrow and see if I have better luck.

Re: Can't Access Equifax Report?

IOBA — Fri, 06 Dec 2013 02:14:02 GMT

Actually, now that I think about it, I can not access ANY of my three free reports. Nothing looked amiss when I saw my reports via the credit monitoring agency I signed up with today. [Other than Equifax having two wrong addresses.]

Re: Can't Access Equifax Report?

cjc343 — Fri, 06 Dec 2013 07:17:00 GMT

I've experienced the same problem with Equifax not asking questions that applied, and when I submitted a page full of "Does not apply" they told me they couldn't verify who I was. I mailed them the ID they wanted and eventually got a report in the mail.