Equifax Backdoor?

Backdoor??? Out of curiosity what do you mean?

It is a way to pull a free report if you have already pulled your free annual report. Smo...go to:

http://www.equifax.com/answers/correct-credit-report-errors/en_cp


and start to initiate an online dispute. A new report will be generated that you can print. Once you've printed it, just cancel the dispute. Never use the online process to dispute tradelines. Its great for updating personal info but stick with written disputes for accounts.

Cool info.... Would appreciate if you wouldn't mind posting your backdoor links to Experien and Trans Union. Could be helpful to the rest of us. Thanks! :)

They work basically the same way. Go to their websites and find the link for online disputes. A new report will be generated so follow the steps outlined above.

here is the actual url for the backdoor for disputes.

I used it to remove a bunch of credit inquiries right at their website, 6 at a time, it is very easy and it does work! Removed them all last night about 10:00pm and by noon the next day they were all gone.

Go here https://www.econsumer.equifax.com/consumer/sitepage.ehtml?forward=online_dispute and enter in your zip code. At the top of the next page right under the Red Colored Welcome Message, you can select "click here" if you dont have a confirmation number.

You can only do 6 at a time but you can go back and do all of them. I removed 16 inquires and it raised my credit score by 9 points.

its not much but it helped.

When I go to that site it says to enter my zip which I did, than on the next page I do not see the "click here"

When I put in my zipcode and clicked submit it it took me to a page that said
"your area is not managed by Equifax. It is managed by CSC."

and then gave me a link to CSC's website.

Is that what happened to you?

Texas is a CSC state. What I did was go to EQ's site and entered in one of my creditors addresses in OH then follwed the used the same process for removing all the INQ's from my EQ report.

does that work if you are not in Texas?

Are you in a state covered by CSC? I have read several posts from those in other CSC covered states that have successfully used this method. If you're in a EQ state, you should be able to use your own address.

anyone know how I find out if I am in an EQ or CSC state? I'm in Missouri

Log in to EQ and initiate a dispute. They will ask you to enter your zip code. If it is a CSC state, you will be re-directed to CSC's site.

never mind, I figured it out, thank you!