Equifax Phone Number

Calling Equifax customer service faster by GetHuman

866-640-2273
Customer service
Current Wait: 32 mins (18m avg)
Hours: Mon-Fri 9am-5pm EST; best time to call: 9:05am
Get targeted help: Tell us the issue so we get you to right rep, offer relevant tips, reminders & follow-up!
Get to a live person fastest: At prompt, press 1; then wait. For Security Freeze Department.

Reasons customers like you called recently

I want EQUIFAX to take the negative inquiries off my credit report immediately! I have...
When does Equifax expect to be able to complete orders to ‘unfreeze’ credit requests? W...
Received a US Bank debit card that I did not request and have cancelled it. Would like...
I wish to temporarily lift a freeze today. Being that the myequifax system is undergoin...
I need to talk to a REAL person. My. Computer was hacked, *credit cards gone. I was t...
I’m a disabled senior. I got hacked. My credit card holder said to call equifax. I n...
I got hacked. Credit cards and all. Need help from you as what to do.*Thanx. Lois
I can't get access to my equifax account
I can't finish setting up my equifax account
I tried creating an myequifax account to monitor my credit and dispute a collection but...
Hello so I have been trying to get access to my myequifax account I created but I wasn...
Temporary unfreeze my account
Porque mi informacion de credito no aparece en ninguna base de datos incluida la de equ...
I have multiple agencies making inquiries on my credit, and a paid off credit card stil...
I didn't realize that there was a yearly payment and I need it to get reimbursed for...
See more recent reasons for calling

Help me with my issue

Our Editor's Notes on Equifax's Phone-Based Customer Care

Equifax is one of the three main credit reporting agencies in the United States. Many credit grantors, property managers, landlords and employers use its services to make business decisions. As a result, Equifax receives a lot of calls and requests for customer service each day.

Why Do People Call Equifax Customer Support?

There are many reasons why a person might call Equifax's telephone customer service:

  • Questions about inaccurate information on a credit report
  • Questions about Equifax's credit monitoring service
  • Technical support in using the Equifax website
  • Placing a request for a credit report freeze or hold
  • Filing a report of identity theft
  • Getting information for requesting a personal credit report
  • Disputing a FICO(R) credit score

Best Practices for Calling Equifax Customer Service

Here are some tips for ensuring a productive call to Equifax phone-based customer service:

  • Equifax offers customer service from 8 am to midnight Eastern Time, seven days per week.
  • Check the Equifax website to ensure that you are calling the correct number for your situation or concern. Equifax has multiple customer service departments and each has its own toll free number.
  • When calling, be sure to have relevant documentation in front of you, including your Social Security number or Equifax account number. If you are calling about an error on your credit report, have the report in front of you along with any documentation that backs up your side of the story.
  • Have pen and paper handy so that you can take notes during your call.

A Word About Free Annual Credit Reports

Federal law gives you the right to request one free credit report from each of the major credit bureaus each year. Don't call Equifax for this report, however. The free report can be obtained from annualcreditreport.com by calling 1-877-322-8228.

You also have a legal right to a free credit report under other circumstances, including:

  • An adverse action has been taken against you (such as denying credit, employment or housing applications)
  • You are unemployed and looking for a job
  • You've been victimized by a scam, identity theft or fraud
  • You receive public assistance benefits

If you've already requested your annual reports, you must contact each credit bureau, including Equifax, to receive additional free reports.

How Do People Feel About Their Calls to Equifax Customer Support?

There appears to be a range of opinions on the efficacy of Equifax's customer service. While many people report that Equifax customer service representatives were able to help them in an efficient and timely manner, others have been less helpful.

Typical complaints include long wait times, automated voice systems that are easily triggered by background noise, and representatives who simply give callers a different number to call for assistance. In many cases, real help doesn't seem to be available when some people call Equifax.

What Kind of Issues Can Equifax Customer Support Resolve?

Equifax customer support specialists can address many issues involving Equifax products, such as credit reports and credit monitoring services, as well as placing holds and freezes on reports in situations where identity theft or fraud may be an issue.

Representatives may also be able to assist with disputes to information on credit reports, as well as FICO(R) scores.

What Can't Be Resolved by Phone With Equifax?

Equifax, like any other credit reporting bureau, is a reporting clearinghouse. It does not place information on credit histories, it only reports what creditors are transmitting to Equifax. While Equifax is required by federal law to investigate disputes, it is not authorized to add or remove information except under limited circumstances, which include a creditor authorizing the change or the failure of a creditor to prove that the information is valid.

In some cases, you may have to fax, mail, or upload supporting documentation to Equifax so that it can be reviewed as part of a dispute. Because of all these restrictions and processes, you may not be able to achieve quick results when attempting to dispute information on your credit report.

What Can I Do If I Am Unhappy With My Call to Equifax?

Calls to Equifax don't always go as planned. If you get off the phone with Equifax customer service and feel as though you haven't resolved anything, or are still confused about an issue, don't fret. There are still options available:

  • First, review any notes that you took during your call. These can be useful when escalating your case.
  • Call Equifax back. The next person you speak to might be in a better position to listen to your situation and provide assistance.
  • Get in touch with Equifax via the online forms provided on its website.
  • Send a letter via postal mail, with tracking.
  • Contact the Consumer Financial Protection Bureau, the federal agency that oversees credit bureaus, and file a complaint.

Customer Number 866-640-2273 - by the Numbers

Phone number to dial866-640-2273
Call-back availableYES
Call picked up by a real personYES
Department you're callingCustomer Care
Call center hoursMon-Fri 9am-5pm EST
Best time to dial9:05am
Navigate phone maze to a humanAt prompt, press 1; then wait. For Security Freeze Department.
Average wait
Current wait32
Rank (among phone numbers)1
Rank (overall)1
Alternate methodsphone, chat, email, facebook, web
Quality of communication44%
Quality of help49%
Customer votes68,698
Information last updatedFri Nov 27 2020 08:00:00 GMT+0000 (Coordinated Universal Time)

Equifax's Best Toll-Free/800 Customer Phone Number

This is Equifax's best phone number, the real-time current wait on hold and tools for skipping right through those phone lines to get right to a Equifax agent. This phone number is Equifax's Best Phone Number because 187,800 customers like you used this contact information over the last 18 months and gave us feedback. Common problems addressed by the customer care unit that answers calls to 866-640-2273 include Unfreeze Credit, Freeze Credit, Locked Account, Dispute a Charge, Credit Score Change and other customer service issues. The Equifax call center that you call into has employees from India, Philippines and is open Mon-Fri 9am-5pm EST according to customers. In total, Equifax has 14 phone numbers. It's not always clear what is the best way to talk to Equifax representatives, so we started compiling this information built from suggestions from the customer community. Please keep sharing your experiences so we can continue to improve this free resource.

Contacting Equifax - by phone or otherwise

While 866-640-2273 is Equifax's best toll-free number, there are 18 total ways to get in touch with them. The next best way to talk to their customer support team, according to other Equifax customers, is by calling their 800-846-5279 phone number for their Customer Service department. Besides calling, the next favorite option for customers looking for help is via 800-846-5279 for Customer Service. If you think this information is inaccurate or know of other ways to contact Equifax please let us know so we can share with other customers. And you can click here if you want to compare all the contact information we've gathered for Equifax.

What is GetHuman's Relationship to Equifax?

In short, the two companies are not related. GetHuman builds free tools and shares information amongst customers of companies like Equifax. For large companies that includes tools such as our GetHuman Phone, which allows you to call a company but skip the part where you wait on the line listening to their call technology music. We've created these shortcuts and apps to try to help customers like you (and ourselves!) navigate the messy phone menus, hold times, and confusion with customer service, especially with larger companies. And as long as you keep sharing it with your friends and loved ones, we'll keep doing it.

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