If you've walked through your Equifax credit report only to notice one or more errors, it's good to know that disputing the information is fast and easy. Whether you take on the dispute via the Internet or over the phone, by walking through the process, you can have the conduct and investigation to determine whether the information on your report is valid or not.
Online Investigation:
According to Equifax, the online investigation is the fastest and most efficient way to get it done. However, everyone can't have theirs investigated through the site; some have to go through an affiliate office. To determine whether yours can be investigated online, you must enter your zip code on their site.
If your case can be handled by the Equifax website then you will need to provide your identifying number found on your Equifax credit report, your confirmation number, last name, street number, and the last for digits of your social security number. After your information is provided, an investigation will occur.You will receive the results of this investigation via email.
Phone Investigation:
If you want to dispute your inaccuracy over the phone, you will need to call the toll-free number that is listed at the bottom of your online Equifax report. When you reach a customer service representative, you will have to give your 10-digit confirmation number. Once you file a report with the representative, providing the same information you would if you had submitted online, and waiting the same amount of time.
Once you have submitted your request, either online or over the phone, it takes between 30 and 45 days to get a response. If Equifax finds that your dispute was accurate, the information will be removed in a timely fashion.
