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Related Questions
How long does it take for Equifax to investigate a dispute?
Equifax is required by law to investigate disputes within 30 days of receiving them. However, the process can take longer if additional documentation or information is required.
How does Equifax protect my personal information?
Equifax uses a variety of physical, technical, and administrative safeguards to protect your personal information from unauthorized access, disclosure, or misuse. These include firewalls, secure servers, and encryption.
Can I dispute information on my credit report with Equifax?
Yes, if you believe that there is inaccurate information on your credit report, you can file a dispute with Equifax. You can do this online, by phone, or by mail.
How can I request a credit report from Equifax?
You can request a free credit report from Equifax once a year via AnnualCreditReport.com, or you can purchase a credit report through Equifax's website.
How does Equifax determine my credit score?
Equifax uses a proprietary algorithm to determine your credit score based on the information in your credit report. Factors that can impact your credit score include payment history, credit utilization, length of credit history, and types of credit accounts.
What should I do if my personal information was compromised in the Equifax data breach?
If your personal information was compromised in the Equifax data breach, you should monitor your credit reports frequently for any suspicious activity. You may also want to consider placing a fraud alert or credit freeze on your credit reports.
What is Equifax?
Equifax is a consumer credit reporting agency that collects and aggregates information on consumers' financial behavior and creditworthiness. It is one of the three major credit reporting agencies in the United States.
What kind of information does Equifax collect?
Equifax collects a wide range of financial information on consumers, including payment histories, credit utilization, outstanding debts, bankruptcies, and other public records.
Is Equifax liable for damages resulting from the data breach?
Equifax has agreed to settle lawsuits related to the data breach for up to $700 million. However, whether or not Equifax is liable for damages will depend on the specific circumstances of each case.
Can I opt out of Equifax sharing my information with third parties?
Yes, you can opt out of Equifax sharing your information with third parties for marketing purposes by visiting Equifax's website and following the instructions under "Choose Your Preferences."