Credit Help

What Are Consumer Reporting Agencies

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The Fair Credit Reporting Act (FCRA) as amended September 30, 1997, regulates the activities of credit reporting agencies. (U.S.C., Title 15 Sec.1601.)

A credit reporting agency, also known as a credit bureau and called consumer reporting agency under this law, means any person or business that assembles or evaluates consumer credit information for the purpose of providing consumer reports to third parties.

Under the Fair Credit Reporting Act, consumer means an individual. You, as the person whose credit is being reported, are the consumer.

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The History Of Equifax

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""Retail Credit Company"" was the name of what we now know as Equifax. Equifax began operations in 1899 and became a publicly owned corporation in 1965.

Equifax common stock has been listed on the New York Stock Exchange under the Symbol EFX since 1971.

As of December 31, 1999 Equifax had about 11,800 shareholders on record.

Equifax processed over 1.4 billion payment transactions in 1999.

Leading provider of full service third party card processing services to 5500 credit unions and independent banks in the U.S.

Third party card processing services internationally in Brazil, the United Kingdom, India and Chile

30 million cards under management worldwide.

Credit and debit card transaction processing, portfolio management services, credit marketing services, cardholder customer services, risk management services, merchant processing and collection services

Mainframe and unix-based software for in-house card processing, collections and merchant processing used on 125 million accounts worldwide.

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Equifax Takes Aim At ID Theft

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By Robert Jaques

Consumer credit and financial information provider Equifax has unveiled an online information system that it claims will help slash ID theft.

Specifically targeting the public sector, the Equifax eTrail service offers ""instant"" online access to the firm's consumer databases detailing the records of more than 45 million adults in the UK. This information, the company said, is derived from sources including the Electoral Roll, Registry Trust and its own database of over 300 million credit agreements.

According to the financial information firm, the service will help public sector organisations to meet both regulatory requirements and commercial pressures by allowing them to trace, authenticate, investigate and locate individuals.

It enables officials to investigate individuals under Sections 29 and 35 of the Data Protection Act 1998 for the purposes of crime prevention and facilitation of legal proceedings.

Lyn Jones, head of government services at Equifax said: ""This information serves as a valuable tool in combating ID fraud by allowing staff to verify address information and process applications, quickly and efficiently.""

However, Rob Bamforth, principal analyst at independent research group Quocirca, told Information World Review that information services such as eTrail need to be used judiciously to ensure legitimate privacy concerns are addressed.

""Coping with increasing demand from any service is fine when everything runs smoothly, and when everyone is honest. The problem is with exceptions, either accidental or deliberate. With public services the taxpayer expects both instant answers to their questions, but also sufficient control to avoid errors or abuse,"" Bamforth said.

""The quandary is when this requires personal information, how do we balance personal security versus the needs of society? Technology solutions such as eTrail can provide the tools, but the skills to use them safely still need some honing.""

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Equifax Promo Code

" Using Equifax coupons, discounts and coupon codes ensures that you get the lowest price when you do your shopping online at Equifax.
Here is a link to Equifax's promo code click here:
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Equifax Phone Number-Equifax Credit Report

Equifax:
Equifax Credit Information Services, Inc
P.O. Box 740241
Atlanta, GA 30374
Tel: (800) 685-1111
To place a fraud alert:
(888) 766-0008
To opt out of mailing lists:
(888) 567-8688
www.equifax.com

Credit News Equifax Credit News

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CreditNews.com: The latest news on the financial condition of the nation's businesses - bankruptcy, mergers, acquisitions, Dun & Bradstreet, Equifax, TRW, commercial finance

Welcome to creditnews.com, home of Business Publications, Inc. Our goal is to bring you the most updated information on private and public companies nationwide that are either experiencing some form of business challenge or are rapidly expanding. There is a wealth of information here for commercial credit managers, merger & acquisition specialists, venture capital firms, bankruptcy attorneys, commercial financing institutions, factoring companies, commercial insurance companies, investors, and business owners who need to keep current on the financial status and current events of the companies most important to them in their day-to-day operations. You can find this valuable information by searching the archives in the subscriber area, or, if you prefer, you can subscribe to one of our many business publications and receive them via email or hard copy on a daily or weekly basis. While Dun & Bradstreet, Equifax and even TRW can give you a brief credit history and background of many of the nation's financially troubled and fast-growing firms, Creditnews.com and its numerous publications and archives will help you keep current on these firms in a way Dun & Bradstreet and the other services will not.

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Credit Monitoring Service Powered By Equifax

Contact Information For Equifax Credit Bureau - Address, Phone Number, and how to order credit reports from Equifax Credit Bureau

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Here is some contact information for Equifax Credit Bureau.

To talk to an Equifax Customer Care representative about the products you have purchased, simply login into the Member Center and click on Contact Us to obtain the Equifax phone number and other contact information.

To dispute information in your credit report, you can simply initiate a dispute online here. For disputes by telephone, a telephone number is provided to initiate disputes on your credit report. (Must have copy of your current credit report). To dispute by mail, please mail in your dispute to the address provided

To ask questions about credit reports, scores, fraud protection, and understand what it all means, simply browse the Learning and Customer Service sections of the Equifax web site.

For help logging in if you forgot your password just visit the Online Account Assistance section.

To order your credit report by phone and gain instant access to your credit information use this link here to order online. You may also call 1-800-685-1111 to order by phone.

To place a fraud alert on your credit report, call 1-888-766-0008

Equifax Credit Information Services, Inc
P.O. Box 740241
Atlanta, GA 30374

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