Report: #358438

Complaint Review: Equifax

  • Submitted: Sat, August 02, 2008
  • Updated: Thu, November 06, 2008
  • Reported By: Oakland California
  • Equifax

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Equifax has been under reporting the credit limits on my
revolving accounts. This has made my debt to credit ratio 20% higher than it should be and has artificially lowered my FICO score. I contacted Equifax customer service, \" in India,\" but they don\"t seem to be in any great hurry to correct the problem. Equifax is the most powerful yet the least acurate of the three reporting agencies.

Oakland, California
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This report was posted on Ripoff Report on 08/02/2008 08:44 AM and is a permanent record located here: The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content

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#1 Consumer Suggestion

Equifax is only one of three

AUTHOR: Cat - (U.S.A.)

Equifax is only one of three credit reporting agencies so I am not sure why you are basing your credit score off of this one agency. However, my suggestion is to pay off your DEBT and CUT UP your credit cards , pay off your car loans, pay off your house, then it will not matter WHAT any of the 3 credit agencies say , will it? The last thing you need in reading between the lines here, is MORE debt! I have a nice suv that is only 2 yrs old that is paid off. I have no credit cards because I WOKE UP and stop living the lie that one HAS to have credit cards and car loans to be "successful". I see way too many people with 2 new cars in front of their nice house and they are behind on every payment they have! By the way, your neighbor does not really care what you drive or the cards in your wallet! ......and if they do then they have bigger issues to deal with!
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#2 Consumer Comment

Credit bureaus are not suppose to judge you with negative information being reported

AUTHOR: Charles - (U.S.A.)

Credit bureaus are not suppose to judge you based on the information in your credit report or negative information being reported. They have no right to judge us.
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#3 Consumer Suggestion

It's Time for a Change

AUTHOR: Gladaboutit - (U.S.A.)

Dear Sufferers of bad credit data. The kind given out by the three credit reporting agencies. I am going to give you information that I know. Number one, there is no such thing as credit. What there is is certain people who want to control your actions and the credit score is the way to do that. All these so called credit bestoyers want from you is complete subjugation. They want slaves. They want people to worship them and this is how they do it. Those credit scores you prize so highly are manipulated at will by these people.

Now I am going to give you a suggestion. Something you can use. Commit yourself to independence. Do not rely on thiem. Develop a circle that will provide needed goods for you and you for them. Just as we must free ourselves from foreighn oil, we must free ourselves from so called, "credit." They took my credit a long time ago. This is my testamony. They stole my house, my money and murdered me. But, look, I am still here. I never use their credit. I have a truck, and two cars. A little house in Alabama, I live on an acre and a quarter of land. I have excellent health, and I really do not have to worry.

Credit, as it is today is laughable and regrettable. Get up off of it. Find another avenue of survival, you can do it. I have faith in you.

Most Sincerely,

A Mighty warrior
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