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  • How To Correct Your Equifax Credit Report

    Life is often about the imperfections we find around. While a few of these imperfections add beauty, there are some which have a negative impact on our overall quality of life. An error, especially in your credit report, can have an adverse impact on your ability to acquire a loan. As a consumer, it is your responsibility to check your credit report for any errors and resolve them by approaching the relevant authority.

    Common errors found in an Equifax credit report

    Some of the common errors which can find their way into your Equifax credit report are highlighted below:

    • Old Information - One of the most common errors which can be found in a report relates to problems associated with the identity of an individual. This could be outdated personal information like the address and name of a member. In certain cases, failure to update your information could see different individuals with the same address having similar credit reports, leading to confusion
    • Account errors - We live in a time where we have multiple bank accounts with different banks, with a lot of us often losing track of the number of accounts in our name. A credit report can often miss or add an account with the account of individuals who have similar names or addresses, thereby leading to misinterpreted reports. This can lead to mistaken identity and identity theft, which can be a serious issue, if left unresolved
    • Wrong account information – It is possible for us to provide the wrong account details when we register for Equifax, with these errors reflecting in our credit reports, unless corrected. Simple typos can have a compound effect on the overall credit history of an individual
    • Clerical errors – To err is human and one can make silly mistakes when filing the KYC form. Mistakes in the date of birth or address need to be resolved immediately as they could potentially result in an identity crisis

    How to correct your Equifax Credit report

    Errors can be committed on the part of either an individual, a financial institution or the credit bureau (Equifax) and they can be rectified by following a simple procedure.

    • Identification of error – The first step to resolve an error is to identify it. As a consumer, you should keenly observe the report and point out errors, if any.
    • Reporting error – Once an error has been identified, it is your duty to alert the relevant authority. If an error has occurred on part of a financial institution, you should let them know the nature of the error. The credit bureau can make changes in a credit report only after the error has been rectified by the financial organisation.
    • Timeline – After an error has been identified and reported, the respective institution or bureau is expected to make changes within 30 days, failing which a consumer can approach an ombudsman to get the errors rectified.
    • Intimation - In cases where it is not possible to rectify any errors, the bureau will intimate you about the same. Changes which have been implemented will also be communicated, helping you stay abreast of the latest happenings.

    Dispute Resolution Form

    If you find an error in your credit report, you can use the Dispute Resolution Form to rectify it. This form can be downloaded from the official Equifax website and should be filled and submitted to the bureau. A member should provide supporting documents like self-attested address and ID proof and post it to the Equifax office.

    Equifax - Sitemap

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    Credit Report Reviews

    • Experian Credit Report
      "Experian credit report"
      0.5 5.0/5 "Blown Away!"
      I checked my credit score in bankbazaar web site ,it has given score with in span of seconds. I wondered ,it is free of cost for checking. It is really a wonder. Congrats to bankbazaar team members . Thanks a lot once again to all bankbazaar team members
      Was this review helpful? 15
      ,
      Reviewed on Apr 05, 2019
    • Experian Credit Report
      "Realiable credit score"
      0.5 4.5/5 "Excellent!"
      I checked my credit score in bank bazar website. It gave instantly with all my banking past history. It was very much useful. It helped me know my credit status report at no cost . It only required few hassle free clicks and that over.Really appreciable!
      Was this review helpful? 28
      ,
      Reviewed on Mar 24, 2019
    • Experian Credit Report
      "Credit Score Tracking"
      0.5 4.5/5 "Excellent!"
      I am using bank bazaar features from last few years. Service provided by bankbazaar is good when compared to others in the market . Customer service is good and their response is good. One step solution for all you banking needs . A periodic tracking of your credit score is maintained well and kept updated in email as and when new scores arrive .
      Was this review helpful? 38
      ,
      Reviewed on Mar 08, 2019
    • Experian Credit Report
      "Very nice"
      0.5 5.0/5 "Blown Away!"
      Thanks I visited a number of sites on regards in the above matter, but what ever the response I got through bank bazar was marvellous and extra ordinary.... Thanq for providing such easy platform for getting in touch to obtain the debit cards so easily.
      Was this review helpful? 38
      ,
      Reviewed on Mar 02, 2019
    • Experian Credit Report
      "Good service"
      0.5 3.5/5 "Pretty good"
      I am using the services of bankbazaar from last 1 year. I checked my credit score using the mobile app which was user friendly and easy to use. Customer service was good and their response was on time. I found all the information at one place on the mobile app.
      Was this review helpful? 54
      ,
      Reviewed on Feb 26, 2019
    • Experian Credit Report
      "Best Service"
      0.5 5.0/5 "Blown Away!"
      I have been using the services of bankbazaar from last 5 months. Customer service is fine with bankbazaar and their response was prompt. The website of bankbazaar was easy to use and was user friendly. It was easy to fill the details and check the credit score.
      Was this review helpful? 53
      ,
      Reviewed on Feb 26, 2019
    • Experian Credit Report
      "Good service"
      0.5 4.0/5 "Great!"
      I had received a mail communication from bankbazaar advising me to check the credit score. Though this was my first experience it was simply superb. As far as the level of service is concerned it was good also the response was on time.
      Was this review helpful? 48
      ,
      Reviewed on Feb 26, 2019
    • Experian Credit Report
      "Good service"
      0.5 4.0/5 "Great!"
      I was checking on google for personal loans and then i came to know about bankbazaar. The services provided by bankbazaar was good and their response was prompt. The website of bankbazaar is easy to use and also user friendly.
      Was this review helpful? 47
      ,
      Reviewed on Feb 26, 2019
    • Experian Credit Report
      "Good experience"
      0.5 4.5/5 "Excellent!"
      I was looking out for a personal loan and I ended up reaching this site for checking my credit score. The report was very much accurate and informative too. It hardly took 5 minutes for me to fetch the report. Coming to the website even that was very much user friendly.
      Was this review helpful? 46
      ,
      Reviewed on Feb 26, 2019
    • Experian Credit Report
      "Good experience"
      0.5 4.0/5 "Great!"
      Nothing new nor there was no specific reason for checking the credit score infact this is my first experience. It hardly took few minutes for me to fetch the credit report. The report was very much accurate and informative too. Even the response was equally good.
      Was this review helpful? 40
      ,
      Reviewed on Feb 26, 2019
    • Experian Credit Report
      "Good experience"
      0.5 4.0/5 "Great!"
      I did not encounter any issues at the time of fetching the credit report. I have checked my credit score previously too and I would certainly say it was a good experience. It hardly took 2 to 3 minutes for me to fetch the score. According to me the report was accurate,informative and perfect.
      Was this review helpful? 44
      ,
      Reviewed on Feb 26, 2019
    • Experian Credit Report
      "Good experience"
      0.5 4.5/5 "Excellent!"
      To start off, it was a good experience at the time of fetching the credit score. This is the first time i have checked the credit score because i wanted to get the credit card. Report was accurate and was informative. It was easy to fill the details and get the report. In all it was a smooth process.
      Was this review helpful? 43
      ,
      Reviewed on Feb 26, 2019
    • Experian Credit Report
      "Best Service"
      0.5 5.0/5 "Blown Away!"
      I being a Customer of Bankbazaar for the past 1.5 years, thought of checking my credit score on this website. Their customer care executives were kind enough to explain to me about the features and benefits of credit score in detail. I would end up saying that it was a hassle free experience of fetching the credit score.
      Was this review helpful? 52
      ,
      Reviewed on Feb 24, 2019
    • Experian Credit Report
      "Best Service"
      0.5 5.0/5 "Blown Away!"
      Basically, it was through advertisement I got to know about this website. This is my experience and it is the best too. The Customer service has always been a top notch here. Talking about the website it is very much user friendly and it is very easy to use as well.
      Was this review helpful? 47
      ,
      Reviewed on Feb 24, 2019
    • Experian Credit Report
      "Good service"
      0.5 4.0/5 "Great!"
      I came to know about bankbazaar through mails and this was my first time experience. Customer service was good and their response was on time. I am using the mobile application of bankbazaar, it is user friendly and easy to use.
      Was this review helpful? 38
      ,
      Reviewed on Feb 24, 2019
    • Experian Credit Report
      "Nice experience"
      0.5 4.0/5 "Great!"
      This review is all about my experience of fetching the credit score, though I dont have any reason for checking the credit score but it was useful for me. I was able to fetch the report successfully moreover I did not find any discrepancies with the report since it was accurate and perfect.
      Was this review helpful? 45
      ,
      Reviewed on Feb 24, 2019
    • Experian Credit Report
      "Best experience"
      0.5 5.0/5 "Blown Away!"
      Hi all, I am a loan seeker and I wanted to check my credit score and that is why I checked my credit score here. I basically like the outlook and the website design. On top of all that, the report fetched was 100% accurate and it was flawless too..
      Was this review helpful? 49
      ,
      Reviewed on Feb 24, 2019
    • Experian Credit Report
      "Good experience"
      0.5 5.0/5 "Blown Away!"
      The key factor which made to check my credit score was few months ago my credit score was down so i just wanted to check my credit score and I ended up checking my credit score here. Even the website was user friendly. The report was accurate and it was informative too.My experience was completely hassle free.
      Was this review helpful? 50
      ,
      Reviewed on Feb 24, 2019
    • Experian Credit Report
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      Well, I appreciate the efforts taken by Bank Bazaar in providing the credit score feature, in fact it is an excellent idea too. Basically, I got to know about Bank Bazaar through their promotional mails. Therefore I advise all my friends and colleagues to explore all the features and to reap the benefits offered by Bank Bazaar.
      Was this review helpful? 48
      ,
      Reviewed on Feb 22, 2019
    • Experian Credit Report
      "Excellent Service"
      0.5 5.0/5 "Blown Away!"
      I tried fetching my credit score one month back and that is how I started my interaction with Bank Bazaar. It all went well where I had applied for the credit check through internet followed by which, I had received a call from their executives who gave the next steps and finally my credit report was fetched effortlessly.
      Was this review helpful? 49
      ,
      Reviewed on Feb 22, 2019
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