topic Equifax is a Gangster Organization in myFICO® Product Feedback

Equifax is a Gangster Organization

madAShell — Wed, 18 Feb 2026 23:40:35 GMT

I want to know why Equifax lingers in reporting accurate information compared to the other major bureaus? I believe that you profit by keeping people's credit scores low. How in the hell can other bureaus have your score in the seven hundreds, and Equifax have you in the high 500's because you used your own credit? Did you record and report that I used that card, and I paid the full balance, minus the 55 dollars the bank said I was not allowed to pay, as it represents their interest earned?

What the hell? I used my card, then paid the full amount used=BEFORE THE PAYMENT WAS DUE! You did not report that, but you reported that I used the full amount of my card. You hit my score with minus 37 points. What the hell!

I have Equifax frozen, and I will not do business with any company that will only use you. **bleep** you. You know this is unfair, but you don't care because your organization makes money off of people maintaining a low credit score. You are Mafia without the name. I think I am going to initiate an online petition for Congress to reform this credit system. If we were all rich, we would not need to use credit. However, most of us work, and we utilize credit in order to survive.

Re: Equifax is a Gangster Organization

FicoMike0 — Thu, 19 Feb 2026 01:43:12 GMT

Don't hold back, tell us how you really feel!

Just for comparison, my scores are eq 821, ex 800, tu 801.

Maybe Equifax is giving me some of the points they stole from you.

If I'm following your rant, you charged a card to a fairly high utilization and suffered a 37 point drop. Is that right? You then paid in full before the due date.

The way utilization works, the bank reports your balance when they post the account. That's it for the month, no more reporting. They don't report when you pay the bill. It works that way for all three bureaus. If your account posts high utilization, theres a score penalty. It hangs around until the account posts again, the next month. If that report shows low utilization, the penalty goes away.

Re: Equifax is a Gangster Organization

FicoMike0 — Thu, 19 Feb 2026 02:55:31 GMT

I forgot, welcome to the forum!

if you have any experience with other gangsters or pirates, tell it all here, we love a good rant.

Re: Equifax is a Gangster Organization

E36 — Fri, 20 Feb 2026 02:09:40 GMT

I just looked at my report today. And you are absolutely right:

		Experian	Transunion	Equifax
		On Record Until	On Record Until	On Record Until (I just added 7 years to DOFD)

Capital One	May 23, 2007	May 1, 2029	July 1, 2029	August 1, 2029
Chase Freedom Unlimited	March 10, 2008	April 1, 2029	August 1, 2029	September 1, 2029
Business Ink Unlimited	October 3, 2017	August 1, 2029	November 1, 2029	December 24, 2029
Synchrony	January 22, 2021	I forgot to record this.	September 1, 2029	--Pays account as agreed--

Ironically, it is my highest score with 712, with Experian and Transunion at 692/693.
Synchrony shows no DOFD. It doesn't show charge/offs just Lates and Pays account as agreed. So maybe thats why

Also I have less hard pulls with Equifax:

		Experian	Transunion	Equifax
Bank of America	February 18, 2026	x
Comenity, AAA Rewards	November 1, 2025			x
Apple Card	October 27, 2025		x
American Express	August 20, 2025	x	x
Capital One	July 18, 2025	x	x	x
Bank of America	April 3, 2025	x
Comenity, AAA Rewards	April 3, 2025	x
CitiBank	February 1, 2025			x
American Express	January 16, 2025	x	x
Venmo	October 3, 2024		x
Web Bank Avant	September 25, 2024		x
NavyFederal	August 10, 2024		x
Upgrade	August 10, 2024	x	x
NavyFederal	April 1, 2024		x
Capital One	March 12, 2024	x	x	x