If you’re one of the millions of people who had your personal information stolen in the Equifax data breach, there are a few things you can do to clean up your report and protect yourself from future identity theft. First, sign up for credit monitoring services. These services will monitor your credit score and alert you if there is any activity on your account that shouldn’t be there. This can help catch any potential identity theft before it happens. Second, review all of the accounts that have been affected by the Equifax data breach. If you have an account with Equifax, check to see if your name and Social Security number are listed on their website as being affected by the breach. If they are, consider changing your password and verifying your identity by providing some additional information about yourself. Finally, be proactive about protecting your personal information. Keep all of your important documents in a secure location and make sure to use strong passwords that are unique to each account. And don’t forget to regularly update your security settings on all of your devices." ..
Request your credit reports. Credit reports are reviewed. All mistakes should be disputed. Reduce your credit utilization if possible. Attempt to erase late payments from your credit report. Assign outstanding debt to an attorney or other legal expert
By creating an Equifax account online. You may also check the state of your security freeze through your my Equifax account. you can reach us at (888) 298-0045 by phone or write to us. …
You can also ask Experian to delete your address from your credit report. By email, phone, or online, you may object to it. If the address is no longer connected with any of your accounts, Experian will remove it at your request.
A legitimate hard inquiry cannot be deleted from your credit report. After two years, it naturally fades away from your credit report, with the exception of some types. You can dispute an unauthorized hard inquiry on your credit report and request that it be removed if you find one.
Whether your efforts to pay for delete are successful may be a function of whether you’re dealing with the original creditor or a debt collection agency. “You can ask the debt collector to cover the cost of deletion,” McClelland adds.
