Yes—use phone, online forms, mail, or chat to contact Equifax based on the issue you need solved.
You came here to sort one thing: how to contact Equifax quickly and get action on your credit file. Below is a clear, no-nonsense playbook that shows the best path for each task—disputes, freezes, fraud alerts, product questions, and business accounts—plus hours, phone numbers, links, and addresses. Follow the steps, pick the right lane, and you’ll reach the right team on the first try.
Equifax Contact Paths At A Glance
Start with the route that matches your goal. This table trims the guesswork so you can act now.
| Goal | Best Channel | Key Details |
|---|---|---|
| Dispute an item | Online dispute via myEquifax | Upload documents; track status inside your account |
| Mail a dispute | Postal mail (see address below) | Send copies of evidence; keep copies of everything |
| Place/lift a security freeze | Phone: 800-685-1111 or online | Fastest online; phone works if you can’t sign in |
| Set or update a fraud alert | Phone: 800-525-6285 | One bureau notifies the other two |
| Lock & Alert help | Phone: 888-548-7878 | Daily 9 a.m.–9 p.m. ET (Mon–Fri); 9 a.m.–6 p.m. ET (Sat–Sun) |
| General consumer questions | Phone: 888-378-4329 | Say what you need—menu routes you to the right team |
| Business account help | Business portal & chat | Weekdays 8 a.m.–8 p.m. ET; submit tickets online |
How to Contact Equifax For Specific Issues
This section shows step-by-step actions for the most common needs, plus what to prepare so your request moves faster.
1) Dispute An Error On Your Equifax Report
Best route: submit a dispute through your myEquifax account. It’s the quickest way to attach documents and track responses. Have these items ready: your full name, current and past addresses, the report item you’re challenging, the reason, and clear proof (billing statements, payoff letters, court records, or ID theft evidence).
Prefer mail? You can dispute by postal mail using the dedicated Equifax address in the “Mailing Addresses Cheat Sheet” below. Send copies, not originals. Include a cover letter that lists each item by account name and number, explains what’s wrong, and states the fix you want (delete, update balance, correct dates, etc.).
2) Place, Lift, Or Remove A Security Freeze
A freeze blocks new credit checks unless you lift it. If you’re stopping new accounts during a loan process, plan a temporary lift for specific dates. The fastest path is online inside myEquifax; phone also works at 800-685-1111. You’ll set a PIN or password during setup. When you need a lift, choose a time window or a single creditor.
3) Add A Fraud Alert (Or Active Duty Alert)
A fraud alert places extra identity checks on applications. Call 800-525-6285. A one-year alert is common, and an extended alert lasts seven years with an FTC Identity Theft Report. If you’re on active military duty, ask for the active duty alert to reduce new-account risk while you’re away.
4) Lock & Alert Questions
If you’re using Equifax Lock & Alert to lock or unlock your Equifax report in real time, call 888-548-7878 for help signing in, updating contact details, or understanding status messages. Hours run daily, with weekend coverage.
5) General Consumer Help
Need help that doesn’t fit the buckets above? Call 888-378-4329. State your goal at the prompt, then follow the menu to reach the right desk. If the system asks for a confirmation code or reference number, keep your latest letter or email handy.
6) Business Accounts
For business credit products and services, use the online portal to open a case, chat during weekday hours, or review guides. You’ll see status updates and can add details without sitting on hold.
Contacting Equifax By Phone, Chat, Or Mail — What Works
Phone gets you quick answers and one-time fixes. Online gives you a written trail and document uploads. Mail is best when you need a paper record, can’t pass online verification, or must send certified copies.
Best Times To Call
Call early in the day (Eastern Time) to cut wait times. Have your Social Security number, date of birth, address history, and case numbers ready. If you’re calling about a freeze or alert, keep your PIN nearby.
What To Say
Open with one line that states your goal and the exact account or item. Examples of clear openers:
- “I need to dispute a late payment on Account X; I have proof of on-time payment.”
- “I’m placing a one-year fraud alert after an ID theft.”
- “I need a temporary freeze lift from May 10–12 for Lender Y.”
Documents That Speed Things Up
- Government ID and a recent utility bill or bank statement with your current address
- Proof for disputes: statements, payoff letters, satisfaction of judgment, police report, or FTC Identity Theft Report
- Letters or emails from creditors with reference numbers
Make The Most Of Your Contact
Before you reach out, pull a fresh copy of your Equifax report so you can cite line-item details. A free copy is available through the official portal for credit reports. Read it top-to-bottom and mark anything that looks off—wrong addresses, duplicate accounts, late payments that aren’t yours, or collection entries you don’t recognize.
Dispute Tips That Win
- Target one issue per bullet in your letter or online form. Short, specific claims are easier to verify.
- Attach clear, legible images or PDFs. Circle the key figures. If you mail, send copies and use certified mail with return receipt.
- If the furnishers (lenders/collectors) respond with partial fixes, re-submit with the missing proof and ask for a full correction.
- Track deadlines. Bureaus usually finish investigations within 30 days, with written results.
Freeze And Thaw Smarter
- Set a short thaw window when you shop for a loan or card to keep your file tight.
- Lift the freeze at the bureau your lender checks, if known. If not, pick a short window and lift at all three.
- Re-lock the same day if you’re done. Online tools let you toggle quickly.
Mailing Addresses Cheat Sheet
Use these addresses when you can’t complete your request online or by phone. Print neatly, include copies of proof, and add your phone number and email so the team can reach you if needed.
| Service | Mailing Address | Notes |
|---|---|---|
| Equifax disputes (by mail) | Equifax Information Services LLC, P.O. Box 740256, Atlanta, GA 30348 | Include a dispute letter with copies of evidence |
| Security freeze (mail requests) | Equifax Security Freeze, P.O. Box 105788, Atlanta, GA 30348 | Include copies of ID and address proof |
| Fraud alert (mail backup) | Equifax Information Services LLC, P.O. Box 740256, Atlanta, GA 30348 | Include your FTC report if you have one |
| Annual credit report (central service) | Annual Credit Report Request Service, P.O. Box 105281, Atlanta, GA 30348-5281 | Use if you can’t request online or by phone |
How to Contact Equifax Without Getting Stuck
Here are small habits that keep your case moving and avoid repeated calls:
- Create a single folder with your ID, proof of address, dispute letters, and case numbers.
- Use one contact channel per case so the thread stays tidy. If you start online, keep updates there.
- Write down every call: date, time, phone number dialed, menu path, rep name, and any reference numbers.
- Set reminders for freeze lifts, fraud-alert expiration dates, and follow-ups after investigations close.
Key Links To Save
Add two bookmarks and you’ll be able to act fast next time you need help with your Equifax credit file or a dispute:
- Equifax Contact Us hub — phone, online forms, and task-specific links in one place.
- FTC dispute guidance — step-by-step advice, timelines, and mail tips.
Quick Scripts You Can Use
Phone Script For A Dispute
“I’m calling about my Equifax credit report. I’m disputing an item on Account [Name/Number]. The reported late payment on [Date] is wrong. I have a statement showing on-time payment. I can upload the file or mail a copy.”
Phone Script For A Freeze Lift
“I have a freeze on my Equifax credit file. I need a temporary lift from [Start Date] to [End Date] for [Lender]. I can verify my identity and give the PIN.”
Phone Script For A Fraud Alert
“I want to add a one-year fraud alert to my Equifax credit file. I had an ID theft event on [Date]. My contact number for lenders to call is [Number]. I can provide an FTC Identity Theft Report if needed.”
Troubleshooting Common Roadblocks
Can’t Pass Online Verification?
Switch to phone or mail. Website quizzes sometimes use old account data you may not recall. Phone agents can validate you with other details. If your address changed recently, include a clear copy of a utility bill or bank statement that shows the new address.
Locked Out Of Your Account?
Use the “forgot password” flow. If that fails, call the Lock & Alert number listed above and ask for help re-gaining access. Keep your ID handy.
Multiple Errors Across Bureaus?
Submit disputes to each bureau that shows the mistake. Creditors report to bureaus separately, so you may need to repeat the process at all three.
What Happens After You Contact Equifax
For disputes, expect a written result, usually inside 30 days. You’ll receive a notice describing the outcome and any updates made to your file. If a correction only applies to one account line, review the rest of your report to confirm nothing else needs a fix. For freezes and alerts, you’ll see a confirmation on screen or by letter; save it for records.
Final Checklist Before You Reach Out
- Pick your lane: phone for quick fixes, online for uploads and tracking, mail for a paper trail.
- Gather ID, address proof, account statements, and any police or FTC reports.
- Write a one-line goal you can read to the agent.
- Plan your timeline: dispute window, freeze lift dates, or alert duration.
- After the call or submission, file confirmations and set a reminder for follow-up.
Where This Guide Fits In Your Bigger Credit Routine
Keep a calendar tickler to check all three credit reports on a regular cadence. If you spot new activity you don’t recognize, act the same day: place a fraud alert, consider a freeze, and contact creditors directly to shut down any new accounts.
Yes, This Is How to Contact Equifax The Right Way
You now have clear routes, exact numbers, and addresses. Use the table at the top to choose your path, prep your documents, and reach the team that can fix the issue. If you ever forget where to start, search “how to contact Equifax” and come back to this playbook—it keeps the steps tight and the actions clear.