Review Time
Applied for a Home Depot credit card, HD used Equifax. I have lived and worked in NY state forever.
I have a 825 credit rating and have my busines for 30+ years in NY state.
Equifax reported my business as being in San Fransisco with zero financial history. They still haven't fixed it and still nho HD credit card.
Recently tried to get credit with EE for a phone contract. £72 per month. I have a near perfect credit score - with a salary over £110,000, including £20,000 in savings. You can’t buy contract phones without credit or I’d just buy outright. It’s clearly a data input error but no such answers from EE - just blaming equifax. No caller contact to resolve quickly causing disruption to my personal and business life. Even folk on the doll can get a contract - embarrassing.
I have never had such a bad experience with any company like Equifax customer service. I called because I check my credit constantly. I noticed that in Dec I had a good score and when I check in Jan out of no where my score went down 40 points and there is no reason any where. I checked transunion and all is fine also in Experian. I called customer service and Rep who obviously had no clue what he was doing tells me that my score went down because of an account that hadn't been reported to my credit 10 years ago. I informed I have never paid anything late in my life everything is on autopay and how is it that something of 10 years ago can be added now that makes no sense. He actually tells me el that's what it is like it or not. I hung up called again and got this lady that actually said I don't see any reason for your score to have gone down like that it must be another system issue I'm going to open a ticket please call back in 5 days. I called they said yes a ticket was item but nothing can be down. They sent me a copy of my credit report which shows absolutely nothing wrong yet they screwed up my score and I had to live with it. This is the worst company ever and should really be liked into in a deep investigation. Thank God I'm able to prove my score with Transunion and Experian who haven't screwed up my information. Customers should have the option to pick what companies should keep their credit score and I'm sure Equifax would be out of business within a month.
Applied for a Home Depot credit card, HD used Equifax. I have lived and worked in NY state forever.I have a 825 credit rating and have my busines for 30+ years in NY state.Equifax reported my business as being in San Fransisco with zero financial history. They still haven't fixed it and still nho HD credit card.
I attempted to obtain my free credit report and found the process unnecessarily cumbersome and intrusive.I was required to provide three forms of ID multiple times, complete three separate selfie verifications, and repeatedly re-enter information due to the AI system misreading my details.I was then stuck in a repeating web loop with no clear resolution. The only communication I received was a generic email directing me back into the same broken process.Attempting to lodge a complaint or get help through the website was equally frustrating — after multiple attempts, the submission button would not work, and the process led nowhere.What should be a simple, legally entitled request became stressful and distressing. Very disappointing experience
Equifax is the worst credit bureau, they don't follow their business hours and its mostly Ai that answers calls. You get locked out of your account even after rigorous/ stringent verification and its such a huge waste of time repeating the whole process. Its almost 2026 and they never improve their customer service and system . Very very poor service!!!
I dont think they are worthy of one star, they are horrible. They do not fix anything. My self as well as others I know have had a time trying to make our credit better and everytime you get your score rising up to a good status a day or 2 later points were taking away when you are making all payments ontime and even before time is due.. They needs new system cause no one has an answer for issues presented to them..
They come come off like the advice they give is for your best interest. And most of the time it is. But who can tell you about the other side. I can Experian, Equifax , and TransUnion. Different companies one goal. To protect big business and make sure their options are many. Experian reported a debt collection verified for national credit adjust who bought it from speedy cash whomi had a payday loan with. 4/20/21 I borrowed $460.00 . 4/22/21 they took 686.61 out of my account. I called and said hey you took too much too soon. 128.22 was scheduled for 5/4/21 she said I couldn't get a refund but I could have another loan. I said no! Debt paid whatever.i have the bank statement where they took $ 686.61. I sent it to all the parties I mentioned. Speedy cash said you gotta talk to them we sold it. Speedy cash ignoring me as well. But that's what they do. They take and if they make a mistake. To save face it's oh well. The same with the credit bureaus. My bank of America account was frauded by an ex friend she made unauthorized withdrawals period changed my online id. Bank of America recognized something odd , sent the email come in the bankvwith two forms oof id we will unlock your account. how my account got unlocked without me coming in I'll never know. But they do. You think they are going to admit they made a error? Oh no it's your fault Mr. Burkett. You have Fail-safes in place just for this particular scenario. But somehow you missed. Like Experian you didn't do an investigation. Because a real Investigation would I involve questioning the person that the investigation is about. The dispute process is flawed I answer question already taylored for the debt collectors and creditors, to weasel their way out of but in situation like mine the mistake is so gross and clear. They are like a roach in the middle of the with the lights on . Don't move he won't see us. We see you and you are wrong. All wrong
I'm rating them so low because they couldn't clean up my identity theft issues until i finally got better option from credit techie w e b gh o s t 333 {I G} who got a the bad items deleted permanently.. Another thing is how the support team are quite unresponsive which is bad
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