Equifax is a wretched company. I had a credit card that I never made a charge on. I went overseas and when I returned I found that Equifax reported that account was delinquent and lowered my credit rating. I contacted Equifax, who wrote back that they had “investigated” and the negative report on me was true. I contacted the bank, who told me they never reported that my account was overdue. Equifax still refused to correct my credit history, and shamelessly lied about it. You would think that one of the “consumer protection acts” would do something about such sleazy credit reporting companies. Actually, look who was writing the laws: creatures like Barney Frank.
I’ve been quite lucky with my credit.
The accounts don’t seem to get screwed up, and they report out rather accurately.
I do keep tabs on them.
Other people seem to have nightmare stories to tell.
I feel for you folks. You’re dealing with a conglomerate, and it’s very difficult.