I live in a state where Equifax does not personally service my Equifax information; they have sold their credit reporting information to a company called CSC Credit Services. This is the case for15 states, of which Texas is one. Ironically, CSC stands for Computer Sciences Corporation, but their online credit report retrieval and dispute system has been inoperable for several months, with no explanation. There is no way to contact them, outside of writing them a letter and sending it to their PO Box in Dallas. Their phone number only directs you to a pre-recorded message that further directs you to access your information via their online system. I called their national customer service phone number, and none of the people in that office even knew that CSC had taken this role with Equifax's information. This really scares me, and it has taken me 2-3 times longer to file my credit report dispute with them because of this, which of course means VERY slow response in acquiring updates to my FICO score, even though I am registered with ScoreWatch and I know several creditors have contacted Equifax directly.
Anyway, does anyone know if, when creditors pull my Equifax report, they get it directly from Equifax or if they get it from CSC? The reason I ask is that my information I access through the MyFICO system seems to be more accurate than that on my CSC report, and I have no idea how long CSC will take to begin an investigation, and they have no means of being contacted if they make an error.
I'm also curious if, when they contact Equifax for account updates, does it take an extra step before reporting because of having to be filed through CSC?
CSC handles files for EQ in the midwest. I am one of those unfortuneate people who have to deal with them. They are a real pain to deal with. Their online dispute system "works", you just have to register several times for whatever reason.
And if you need to speak to an individual, the ph.# is 281-878-1900. DO NOT CHOOSE OPTION 1. Just stay on the line and let someone answer. FAX # is 281-878-5088
I have never pulled a EQ report from CSC. You just use CSC to update or dispute info. Maybe it has to do with where you live. I have no problems pulling reports for MN residents via the following link:
Thanks for this invaluable information! It made my dispute process/contacting them soooo much easier. I was able to file my disputes over the phone, and they were actually very user-friendly. ONCE I was able to talk to a human being.
Equifax/CSC customers - PAY ATTENTION to this information!
have had problems with CSC for over 5 years. First they do not honor the "100 word dispute clause" because they say you can only use 100 characters - can hardly write my name with only 100 characters. I reported them to the FTC and 3 years later my 100 word statement appeared on my credit report. Have made numerous on line requests to dispute an item on my report and even though I receive an e-mail that everything is okay, when I log in, it says not authorized.
Also over the past 5 years, when you are able to contact a live person, or even if you write to them, it takes many letters and lots of time to get anything corrected. I thought that by 2007 they would have improved....they DID NOT.
File Open Date: 01/01/62 Principal: Donna White, Consumer Affairs Phone Number: 800-653-2772 Fax Number: 281-878-1974 Email Address: email@example.com Web Site Address: www.csccredit.com Membership Status: This company is not a BBB member Type of Business: Credit Reporting Agencies Automobiles Undetermined Businesses Additional Business Names: Computer Science Corporation Computer Sciences Corporation CSC Consumer Assistance Center CSC Credit CSC Credit Services, Inc.
ADDITIONAL TRADENAMES, ADDRESSES AND TELEPHONE NUMBERS
This business also uses the following names, addresses and/or telephone numbers:
CSC Credit Services, Inc. PO Box 674409 (800) 653-2772 Houston, TX 77267 4409
CSC Credit Services, Inc. P.O. Box 981221 (800) 653-2772 El Paso, TX 79998