My new year’s resolution was to stay on top of my credit reports. Unfortunately, Equifax put a snag in my plans when they refused to provide me with my free credit report. I tried from January – March to get my report via www.annualcreditreport.com, by calling 1-800-FACT-ACT, and even by writing to them. I spoke with their not so excellent customer service department a few times (1-866-640-2273), set up an account with them, and even offered to pay for my free credit report. I had given up on my resolution officially until today.
Today I went to annualcreditreport.com and gave it one last try. To my surprise, the process went smoothly, with no errors, no messages of a “hold” on my account, and no request to call customer service. I got my credit report and printed it. For anyone out there that has had trouble with Equifax in the past, please keep trying! I may even be able to help.
Even after all of the frustration, I’m glad I was able to get my report because there was an error in it. I have put in a request to dispute it online, so we’ll see what happens. For everyone else following along, try to check your credit reports periodically, whether its all three once a year, one every 4 months, or your own time schedule. You never know which bureau a bank, management company, employer, etc. uses, so accuracy all around is the best strategy. Had any frustrations with the credit bureaus? Use this page as sounding board and let us know what happened to you.