Equifax

Pros: Pretty easy to understand; One report per year free in most states
Cons: Several inaccuracies, and they cannot be reported on- line in some places.

Monitoring one’s credit report is a good idea from time to time. Even if you haven’t been denied credit recently, it is always a good idea to examine your credit report and look for discrepancies that could stand in the way of obtaining credit in the ...

Pros: short report, generally accurate
Cons: cryptic codes

As a recent victim of credit fraud, I thought it wise to check my credit reports on each of the three major agencies. Equifax still has the "original" cryptic codes, unlike the other two which are human-readable.

First Contact
...

Pros: Online disputing available
Cons: My report was not as comprehensive as Trans Union or Experian

Someone is pulling your credit report more often than you would imagine. And it's not just when you apply for credit. It could be for an employment application, insurance, or even your landlord. What is contained in these reports have a major impact...

Pros: Smooth and painless to deal with
Cons: You don't have a choice - you have to deal with them

In the game of consumer credit reporting, there are only three players: Experian, Trans Union, and Equifax. All US credit reporting goes through one or more of these companies. Each of them keeps a file on you, and because all of the files may not...

Pros: They try to maintain 100% accuracy
Cons: Telling them there's a mistake is hard...

Equifax was the parent company of the Credit Bureau Inc. in San Jose, CA. This was my first "real" job. I learned a lot here -mostly how a Southern Company can abuse employees, but this review isn't about that. It is about my experience with...

Pros: Know Your Rights
Cons: Specific Criteria Must Be Met Before Free Reports Are Offered

The Fair Credit Reporting Act

Being at the mercy of credit reporting agencies puts us all at a disadvantage if we fail to monitor the information collected about us retained within their files. Mrsfitts' insightful review of Equifax...

Pros: One free copy of the 3-in-1 credit report, unlimited updated Equifax credit report.
Cons: High service fee, no credit score information, confusing website navigation.

This review is specifically for the "Credit Watch Gold with 3-in-1 Monitoring" service, which is offered by Equifax, among all the other different products and services available on their website. I signed up last month to see what this service could do ...

Pros: Provides a valuable service. I learned a lot
Cons: Scared the daylights out of me!

This is a long tale, and if you read my SunCom review, you'll get a bit of a backstory to what prompted Equifax to send me a mysterious letter on a Friday evening back in late February 2003. The strange, yet fortunate thing is, my husband also got a lett ...

Pros: Alliance To Enable, Empower, And Improve
Cons: New Law Forces Big Brothers

Knowledge is power. The new law, sponsored by Sen. Liz Figueroa, D-Fremont and signed by Gov. Davis, is meant to empower consumers like you and me. Credit bureaus such as equifax are compelled to deal with us. No more hiding by them! Depending...

Pros: Easy to use, easy to dispute
Cons: None that I have encountered.

A updated review for Equifax is sorely needed as a lot of the information is outdated. There are numerous credit reporting agencies in the United States. There are the big three: Transunion, Equifax & Experian. Equifax is a publicly traded company ...

Pros: Online delivery of credit report and score.
Cons: Slow dispute resolution, poor customer response,many mistakes.

Update As of September 14th Equifax and Sears have managed to get the negative report problem cleared up
(In their own best interest I might add), but it has been
corrected to reflect the accurate information as it should be...

Pros: none
Cons: lack of customer service, time to process errors...

They store information about us (whether correct or incorrect), they give information on us, they receive information on us - BUT they will not help us. They will not answer my questions of how? or why?.

My recent experience with this credit...

Pros: see what creditors are reporting on you!!
Cons: information is behind

If you want to see a copy of your credit report online I sugest equifax.com. You must provide your social security number, driver's license number, and a little more basic info. so they can make sure the credit report is yours. To verify that the...

Pros: A free report can be requested using their 800 number.
Cons: Website request would be faster, but a fee is incurred.

Your financial history is recorded when you apply for credit, payoff your bills and even close your credit card accounts. However, the data provided may not always be accurate and it is recommended that you review your credit reports each year.
...

Pros: Very easy to obtain and read report
Cons: Behind on updating items that should have been done earlier

I was watching the 6:PM news where they do a regular feature called "You and Your Money". I was surprised to find out that, as a resident of Georgia, I am entitled to one free credit report each year. The TV station flashed a toll free...