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How to File a Personal Statement with Equifax Use this link to sign in or create a myEquifax account. Once in your account, scroll down to ?Disputes? then click ?START A DISPUTE.? ... Scroll down to where you see ?Consumer Statement? in red and click ?Add a statement.?
In your Equifax Member Center, select "My Account" and the "Alert Preferences" tab. Expand the appropriate section -- Banking or Credit Cards -- and click on the "Add a New Account" button to begin. If the "Add a New Account" button is grayed out, you will need to remove an existing account to add a new one.
You can't directly add things to your credit report, even if they are bills you pay each month. Instead, you must depend on your creditors and lenders to send updates to the credit bureaus based on your account history. There are three major credit bureaus in the U.S.: Equifax, Experian, and TransUnion.
If you've experienced financial distress that resulted in a negative payment history on one or more of your accounts, you can add a statement to your credit report to explain your circumstances. That "statement of explanation" can then be viewed by potential lenders when they review your credit report.
If you see information on your Equifax credit report that you believe is inaccurate or incomplete, simply file a dispute, and we'll look into it right away. Once you've submitted a dispute, we'll investigate and return your results. If we do find that information on your credit report needs to be updated, don't worry.