Update - April 1: Equifax Customer Care Centers
Due to the evolving Covid-19 (Coronavirus) pandemic, site closures and/or government mandated curfews have impacted Customer Care Centers worldwide. As a result, you may experience longer than average response and hold times.
Our agents are available to support you from 9:00 am - 5:00 pm, Eastern Time, Monday through Friday. We apologize for any delays you may experience as we work through the situation caused by COVID-19.
For the fastest assistance with your security freeze, fraud alert, dispute and free credit report needs, you can visit us at www.myequifax.com.
Update - March 12: COVID-19 (Coronavirus) and Your Credit Score
Equifax is closely monitoring the outbreak of COVID-19 (Coronavirus) and the effect it is having on businesses and individuals.
That’s why we are taking measures to support consumers impacted by the Coronavirus while also working with creditors and lenders to minimize the effects on consumers’ credit standing.
Consumers who are experiencing a financial hardship may be wondering how potentially late or reduced payments might impact their credit scores. We encourage individuals with concerns to contact their lenders and creditors to discuss their options. Additionally, the Consumer Data Industry Association is providing guidance to creditors and lenders on how they can work with those who are affected by the Coronavirus.
So, what can you do to minimize the impact of Coronavirus on your credit standing?
- Talk to your lenders and creditors and see if any assistance is available.
- Pay what you can. To avoid having late payments show up on your credit reports, try to make at least the minimum payment on accounts, or pay any amount you and the lender or creditor agree upon.
- Stay up-to-date on your credit reports. You are entitled to a free copy of your credit report every 12 months from each of the three nationwide credit bureaus by visiting www.annualcreditreport.com. You can also create a myEquifax account to get six free Equifax credit reports each year.
- Consider adding a consumer statement to your credit reports.You can add a brief 100-word (200 words in Maine) to your credit reports to explain your situation. See how to add a statement to your Equifax credit report.
An example of a consumer statement: “Be advised that the negative accounts on my credit report are related to the Coronavirus. I intend to make these up as soon as I can.”
You can also contact Experian and TransUnion to add a statement on those credit reports.