How to Report a Delinquency to Equifax

Businesses and individuals can report delinquent accounts to Equifax if they have a paid membership with the bureau and can provide relevant documentation proving that the account is delinquent. Alternatively, you can contract with a collections agency which will report the debt for you either for free or in return for a low fee.

Instructions

1

Gather all data relevant to the debt. To collect on a debt taken out by an individual, you'll need their full name, Social Security Number and date of birth. For a business. you'll need its Tax Identification Number and its name.

2

Sign up for Equifax Business Information Solutions through their website or over the phone (see Resources). Alternatively, you can contract with a collections agency, which may already have an account with Equifax and can handle the reporting process for you.

3

Submit your data regarding the debt, including copies of any letters you have sent to the business or individual requesting payment. If you have records of previous payments of the debt and the original agreement for the account, include those as well. This will establish that the account is delinquent, which means that the individual or business is at least 90 days late on payments.

4

Request a copy of the credit report of the individual or business from Equifax at least 30 days after you originally reported it. Confirm that the entry has appeared on their report.