Toll-free · At prompt, press 1; then wait. For Security Freeze Department. · For the 2017 data breach settlement, say "settlement" or press 9. For assistance with your credit report, press or say 1. For login help, press or say 2. To cancel your product, press or say 3. To talk to a representative, press or say 4. If you're having trouble enrolling for a product, press or say 5.
Toll-free · Option 3, then Option 1. · Canada - If your ID is lost or stolen, press 1. If you're a victim of fraud, press 2. For a copy of your credit file and score, press 3. For a change of address, press 4. If you were denied credit, press 5. To get our mailing address, press 6. For any other questions, press 8.
Toll-free · For Business Customer Support · For consumers, press 1. For business support, press 2. For technical support, press 3. For data contributor support, press 4.
Toll-free · Direct to human, just wait · For the 2017 data breach settlement, say "settlement" or press 9. For assistance with your credit report, press or say 1. For login help, press or say 2. To cancel your product, press or say 3. To talk to a representative, press or say 4. If you're having trouble enrolling for a product, press or say 5.
Toll-free · Calling this Equifax number should go right to a real human being · In a few words, tell me how I can help you today?
How do I get through the phone menu to a real live person?
GetHuman researchers routinely call this Equifax phone number to document the phone system.
Here is our latest tip for weaving through the phone menu to get to a real person the fastest:Direct to human, just wait
Here is how our research team describes the way the Equifax phone system greets you: In a few words, tell me how I can help you today?
Below are some clips we've found from Equifax's phone menus and tips that help give an idea of what you will encounter when you call. We've highlighted why they are important as well:
Heard when the phone system first answers
"Thank you for calling Equifax.
Consumer care.
To add a short statement to your Equifax credit report, noting that you've been financially impacted by the COVID nineteen pandemic, remain on the line speak with an agent.
We have recently expanded our service services to give you access to your credit score and Equifax credit report for free.
To enroll, visit my equifax dot com.
If you have a question about the two thousand seventeen data breach settlement, say settlement or press nine.
This call may be recorded or monitored for quality assurance purposes."
Excerpt from a call with Equifax
Tuesday, January 16, 2024 7:25 PM
What are the hours and when should I call?
Equifax operates the call center for this 800-846-5279 phone number 24 hours, 7 days.The short answer is that you should call on a Monday.This observation and the following section are based on analysis of a sample set of 235 calls made in the last 90 days using our free, web-based phone (see above).
An important note: busy times vs hold times vs best time to call
When we refer to busy or less busy times, we are talking about the volume of calls. The busiest times are when the most people are calling this Equifax phone number (least busy times have fewer people calling). This high call volume does not necessarily mean that you will have a long hold time when you call. Companies like Equifax staff their call centers differently based on the time of day and day of the week, so you may experience a shorter wait on hold at the busiest of times. When we refer to the best time to call, we are referring to the optimal combination of lower call volume and shorter wait times.
The least busy time to call
The least busy day to call Equifax is Sunday.The most busy day to call is Friday, which averages 430% more phone calls by comparison.Again, this is based on a sample of 235 calls made with our AI-powered, web-based phone in the last 90 days.
Sun
Quietest
Mon
Tue
Wed
Thu
Fri
Busiest
Sat
The shortest wait on hold
We measured the shortest hold times to be on Thursday.The longest wait in the queue on average occurs on Wednesday.
The best time to call
In summation, the best day to call Equifax is Monday.
Why call this Equifax number?
Below is a sample of recent calls to Equifax, and their purpose. Are any of these similar to the reason you are trying to call?
Seeking credit assistance: "I'm trying to figure out what I can do to keep my credit from getting worse because I'm late on payments."
- From a call lasting 13m 56s , Mar 12, 2024 7:26 PM
Account freeze assistance: "My bank agent couldn't access my credit due to Equifax account freeze."
- From a call lasting 23m 52s , Feb 23, 2024 7:50 PM
Assistance with paying loans: "I'm trying to see if y'all can help me pay off some of these loans."
- From a call lasting 7m 57s , Feb 8, 2024 5:06 PM
Lifting fraud alert: "Hi. I was calling to lift the fraud alert on my account."
- From a call lasting 16m 24s , Jan 19, 2024 6:17 PM
General inquiry: "I'm calling about"
- From a call lasting 10m 12s , Jan 16, 2024 7:25 PM
Equifax's 800-846-5279 phone number is actually the customer service number for consumers. The difference between this number and the company's business number is that this one doesn't ask you whether you're getting help for a consumer or business account. Instead, it assumes you're getting assistance for a customer account without asking and takes you right into the main menu for the automated system.
Going through the automated system is a fairly simply process, although you do need to speak clearly at all times. The system will pick up on any stray noises, like it did when it asked me if I wanted to converse in English or Spanish and immediately cut off due to other noise. The system also initially couldn't recognize whether I wanted to check my credit score or report a credit issue, and I had to cycle through several sections before it was able to get me to the right spot.
Fortunately, the system has plenty of options and makes it easy for you to find the right one, even if it mishears what you would like to select at first. After scrolling through, I was able to ask for a credit report, and the system told me how to request it and what my delivery options were.
I asked for a credit report via Equifax to be sent through the mail, and the system brought me to the menu where I'd need to answer personal questions to continue onward. At this point, I ended the call rather than provide any identifying information.
Overall, I think this phone line functions well enough to provide basic instructions to anyone who needs it. I think the system gives customers easy access to answers for any questions they may have, and it doesn't waste time addressing a mistaken call trying to reach another branch of Equifax. This automated system recognizes that the average caller is going to have a limited window in which to call the company and will likely need to get help quickly with an important credit issue.
I would prefer that the system wasn't quite as sensitive to outside noises and was a little better at recognizing what's being said, but for the most part, it does the job well. That said, if you're unwilling to enter personal information, this number won't offer much help. I would only use this number if you're ready to provide that information.
Adam has been tirelessly trying to help customers find the best tips and tricks to get through phone trees and writing many guides for prickly customer service problems. He's been featured in the Wall Street Journal, Inside Edition and Bloomberg.
More Ways to Contact Equifax Customer Service
There are of course other ways to contact Equifax customer service besides the phone. Below we list the best ones, by medium.
If phone-based customer service is not available, or the wait times are long, many people prefer chat as a next-best option. Some even prefer it to calling on the phone. Luckily, Equifax provides this option.
Corresponding with a customer service department by email may not be your first choice, especially if your issue is urgent or time-sensitive. But email is a nearly ubiquitous form of communication, and Equifax will reply our your email.
Some customer service teams, like that of Equifax, accept inquiries through Facebook Messenger. This is a good option if you have a Facebook account, and you may even be able to converse live with an agent this way.
As a last, sometimes only, resort- Equifax customer service can be accessed through their website. This can entail digging through help articles before finding a form and "being allowed" to submit a problem to their team, and rarely leads to a real-time conversation, which is why GetHuman does not recommend this unless it's the only way.
Conclusion and closing notes
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 800-846-5279 include Unfreeze Credit, Freeze Credit, Dispute a Charge, Locked Account, Credit Score Change and other customer service issues. The Equifax call center that you call into has employees from India, Philippines and is open 24 hours, 7 days according to customers. In total, Equifax has 13 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.
GetHuman does not provide call center services or customer support operations for Equifax. The two organizations are not related. GetHuman builds free tools and shares information to help 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 to get a live human rep. We continue to work on these tools to help customers like you (and ourselves!) navigate the messy phone menus, hold times, and confusion with customer service. As long as you keep sharing it with your friends and loved ones, we'll keep doing it.
