How to Delete a Credit Account From Equifax

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In the US, Equifax is one among the three major credit reporting agencies (along with TransUnion and Experian). You’ll remove a charge account from your Equifax report if the account isn’t yours or if the account was closed. You’ll easily request that an account be removed by contacting Equifax, either online or by letter. If Equifax don’t remove the account, then you’ll file a press release of dispute. You’ll also ask the creditor who reported the account to get rid of the knowledge.

Can debt collectors remove negative information from my reports?

Unfortunately, negative information that’s accurate can’t be removed and can generally remain on your credit reports for around seven years. Lenders use your credit reports to scrutinize your past debt payment behavior and make informed decisions about whether to increase your credit and under what terms. Therefore, it’s even as important for them to ascertain your negative credit history as your positive history.

If you discover, however, that negative information remains on your credit reports after seven years, and you’ve got paid off the quantity as agreed, you ought to immediately file a dispute.

You can dispute the negative information sooner if it appears on your credit reports multiple times. You’ll also dispute the knowledge if it is a result of fraud or fraud. It is vital to report the fraud or fraud immediately to the three nationwide credit bureaus in order that you’ll get your financial life back on target.

Checking If you’ll Remove the Account

Obtain a free credit report. You’re entitled to at least one free credit report from Equifax annually. You shouldn’t request it directly from Equifax. Instead, you’ll request a report within the following ways:

  • Call 1-877-322-8228.
  • Visit http://www.annualcreditreport.com and enter your information. You’ll get a replica of your report immediately.
  • Fill out the Annual Credit Report Request Form available at https://www.consumer.ftc.gov/articles/pdf-0093-annual-report-request-form.pdf. Mail the finished form to the address printed on the shape.

Asking Equifax to get rid of the Account

Write a letter. Albeit you report online, you ought to also write a letter, which can function evidence of your communication. In your letter, you ought to identify the closed charge account and ask that it’s removed. Also explain why it should be removed, e.g., you never opened the account or it’s so old it should have fallen off the report by now.

  • You’ll use the Federal Trade Commission’s sample letter, which is out there at https://www.consumer.ftc.gov/articles/0384-sample-letter-disputing-errors-in your-credit-report.

Having a Creditor Remove the Account

Meet with a lawyer if you would like to barter. Your delinquent account might only be one or two years old. During this situation, you would possibly want to barter because the account won’t fall off for five or more years. However, before talking with the creditor, you ought to meet with a lawyer to urge advice.

  • You’ll reach a lawyer by contacting your local or state bar association and posing for a referral.
  • If you’re low income, then check out legal aid, which provides legal help for free of charge or for a reduced price. You’ll find legal aid by visiting http://www.lsc.gov.

Warnings

  • Don’t use a public computer once you check your Equifax credit report. You’ll leave personal information behind that others can obtain, which may cause fraud.
How to Delete a Credit Account From Equifax

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