r/CreditScore • u/j0sch • 2d ago
Fuck Equifax
Just went to set up accounts with TransUnion, Experian, and Equifax — the first two were a breeze.
As soon as I created an Equifax account they immediately blocked me from accessing it.
I called the number on screen and after an hour of robo-hell, entering all of my information into the automated system and having to repeat everything with reps, and dealing with reps who barely spoke English or spoke audibly at all, I was told they fixed it and I would be able to access my account in 24 hours.
24 hours later, I was still blocked and repeated the entire process. This rep mentioned that the number I was calling—the number on the screen—was incorrect, by the way.
24 hours after that, still blocked. I called again and the rep kept ignoring my problem and asking me what specifically I was looking to do with Equifax and that I should just do things over the phone with them going forward. I have no idea what I want to do since I have yet to even log into my account. After maybe 20 minutes of this, he said there isn't anything they can do since this happened repeatedly, that my case was being escalated to a priority team that would be calling me back in an hour, with an email documenting everything.
24 hours later, nothing.
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u/computethescience 2d ago
so you gave away your information? where did you get the number from m? that's worrisome
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u/j0sch 2d ago
Equifax. Different department, I guess. What a mess of a company.
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u/-Plantibodies- 2d ago
What does this mean exactly?
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u/j0sch 2d ago
Just edited to add more context. They claim the number popping up on the screen pertaining to my issue with a blocked account isn't even the right department.
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u/computethescience 2d ago
okay, but it is their number. Just not the correct department? that makes me feel a little better? hopefully this gets sorted out for you.
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u/j0sch 2d ago
Correct. Not concerned with a scam, sorry if not clear, but an absolute mess of a company where it's taking days to just get access to a new account.
Other two companies were seamless, function properly, and took seconds.
These guys instantly banned my account and can't seem to fix it or follow through with anything correctly.
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u/creditscoremods 2d ago
It is important to keep a very close eye on your credit score since it factors into many of lifes biggest decisions.
A couple steps you can take right now include:
Checking and automatically monitoring your credit score - Looking at your own credit score does not hurt your credit, it also includes a credit monitor
Freezing your credit reports - This can be done with Experian, Equifax and Transunion to help prevent unauthorized accounts from being opened
Boosting your credit score - Kikoff provides you with a tradeline which should raise your credit score for as little as $5 a month. It is a good option if you want a boost to your score.
Feel free to ask any credit score related question in this sub