If you still do not agree with an item after it has been verified with the submitter, you can send Equifax a brief statement explaining that you disagree. The statement will be added to your credit file and it will be shown every time your credit file is reviewed. If you have added a comment, you have the right to ask for your revised credit file to any company that requested your credit file 60 days prior to the change. Important Note: You do not need to pay a third party to obtain, discuss, review or make changes to your credit report. You have the right to access your information and make changes to your file if there is an inaccuracy or if you want to include a comment. It is impossible for a third party to make changes in your file if the facts have been correctly reported. There are individuals and companies that claim they can fix a bad credit file. This is not the case. If a file includes accurate, yet negative information about your credit history, this information cannot be changed. Information will only be changed when your file contains an inaccuracy.