Thru the years, I've had the BIG headache of Misreporting by Equifax. Showing incorrect, inaccurate, info on my report that ALWAYS, belongs to other debtors. But I get rejected on credit applications, and have to run to creditors to get the correct info, and clear this info on file. MY CREDIT IS EXCELLENT: I have no problems w/TRANS UNION-EXPERIAN. It's always EQUIFAX, and they have a million excuses for inaccurate info: blame the creditor, even if, info already clarified, shows up in your credit file three months later! read full review »