Equifax Equifax useless when you need help and tries to upsell you at every opportunity! Internet

Chat with a Customer Care Agent
Status: Connected
Angela (Listening)
Angela: Hi, my name is Angela. How may I help you?

John Doe: Hi, I use Lastpass Premium Credit Monitoring which allows me to see my current credit scores across all three credit company's. I have a 775 with Trans Union, a 740 with Equifax, and only a 702 with Equifax (which is a "fair").  I don't understand the reason for the low score at Equifax and was wondering if you can help?

Angela: I would be more than happy to address this concern for you.    Do you mind waiting a moment while I research this issue for you?

John Doe: Sure, no problem

Angela: Businesses utilize different scoring systems based on the system they believe best fits their needs.  That means the various lenders you do business with could use different scoring systems which may mean that the respective scores may not be identical.

John Doe: Yeah I'd not expect them to be identical, but I would think they should be close.  I'm looking at my account history many of my loans I've been paying on don't show any data at Equifax.

Angela: Not all creditors report to all three consumer reporting agencies. There are some creditors that report to only one of the three consumer reporting agencies or, perhaps, do not report to any consumer reporting agencies. Check with your creditor(s) to find out if they report to all three consumer reporting agencies.

Angela: You can speak with your lender to see why the information does not appear on your Equifax Credit Report.

John Doe: I can do that, but just wondering if you see anything I can do to improve my credit or tell me why it is only "fair"?

Angela: I can provide you with a link that has some general information on how you can improve your credit score. If you would like to obtain your report and score directly from Equifax, we do have the Interactive Score Estimator that would let you estimate how to improve your score by making changes.

John Doe: I understand there are many potential reasons, just wondering what specific to me?

Angela: Answer Title: Improve Credit Worthiness
Answer Link:  https://help.equifax.com/app/answers/detail/a_id/131

John Doe: ie.... can you look at my account?

Angela: Have you obtained your credit report and score directly from Equifax?

John Doe: because I have looked at all the reasons and don't understand why.   Yes, I received a free credit report and score and don't see any reason why it should be low.

Angela: What city and state are you located in?

John Doe: Caledonia, IL

Angela: Did you obtain your free Equifax Credit Report online within the last 30 days?

John Doe: I think it was longer than 30 days, maybe 50 days?  I can see it live using Lastpass.

Angela: You would need to obtain your report directly from Equifax through  http://www.Equifax.com, or  http://www.annualcreditreport.com.

Angela: Unfortunately, I cannot view a report through another company.

John Doe: I should not have any negative credit reports and I believe my debt/income ratio should be good too.  I'm baffled.

Angela: Please take a look at the link that I have provided you on how to Improve your Credit Worthiness.

Angela: You can dispute any inaccurate information on your report.

John Doe: That's the thing I've read those tips and have done everything right yet it only shows low on Equifax - that's why I'm wondering what specific to me is causing that.

Angela: You can take advantage of a score monitoring product that we have available.

Angela: The  Equifax Complete ™ Premier Plan is our most comprehensive credit monitoring and identity protection product.  With Premier you'll get all the essentials including your reports and scores and alerts.  Also included is Equifax's identity protection features such as the ability to lock and unlock your Equifax Credit Report™, lost wallet services, and the ability to become informed if your personal information (social security number or credit card information) is being used on the Internet through the WebDetect™ feature.

To purchase the Equifax Complete ™ Premier Plan for only $19.95 per month, go to our website:
 http://myservices.equifax.com/CC3D01_uplanr

John Doe: I already have score monitoring and credit alerts.  Just need to know why my score is low on Equifax.

Angela: We cannot view a report or score from another company. I do apologize for the inconvenience.

John Doe: What score do you show me having?

Angela: If you were to obtain the report and score directly from us, you would have access to the factors impacting your score and the Interactive Score Estimator.

Angela: I cannot view your score unless you purchase it first.

John Doe: ok, I can see were getting nowhere.  Thanks anyway.

Angela: Are there any other questions or concerns that I can assist you with today?