myEquifax is Equifax’s free product to manage consumer credit. myEquifax’s features include requesting your free credit report, freezing and unfreezing your credit, placing and removing fraud alerts, and disputing inaccurate or incomplete report information. Getting a numbered credit score through myEquifax is technically a separate product that requires more paperwork. It is not uncommon that myEquifax is unable to process various requests, but we can help you fix the problem using the solutions on this page.
“we are temporarily unable to complete this request”
According to Equifax, this error page shows when the data in your myEquifax account and the data in your Equifax credit file (their “main database”) do not match. For example, Equifax could receive an updated address from your bank for your credit file that doesn’t match the address in your myEquifax account. In that case, Equifax will be unable to process the request and this error page will show when logging in.
How to Fix
1. Check that your bank or credit card company has your correct address on file, and ask them to report your address to Equifax.
2. Call Equifax and ask for the reason why you are seeing the page. Calling Equifax is the only way to freeze or unfreeze your credit file until you can login to myEquifax again.
One way to investigate this error on your own is by reviewing your credit report from Equifax. An inaccurate current address on file at Equifax is the most common cause of this error. In your Equifax credit report, you can find your current address history toward the end of the report under a section titled, “Contact Information.” See below for a sample contact information section from an Equifax credit report.
“the email and password combination you entered is incorrect”
Even when your email and password are 100% correct, you can’t sign into Equifax. Why? We think the cause is a race condition on the webpage from bad software engineering by Equifax. This error can happen both when using a password manager or when typing in your email and password.
How to Fix
Fixing this error is an easy one. Refresh the webpage or browser tab and re-enter your email and password, and myEquifax should log you in. Of course, we are assuming that the email and password you are entering is correct.
myEquifax Unable to Process Requests Wrap Up
While myEquifax may be unable to process your needs some of the time, when myEquifax works, it is easy to freeze and unfreeze your credit. In contrast, rival bureau Experian forces consumers to enter all of their personal information each time. Even with Equifax allowing for consumer accounts, if you feel that myEquifax should work better, we invite you to file a CFPB complaint, call your congressperson, or tweet at Equifax CTO @brysonkoehler.
Do you have a problem with myEquifax not listed here? You can contact us at wwwSnowcapMe on Reddit for help.
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