Under the Fair Credit Reporting Act, you have the right to dispute the accuracy or completeness of your report. You'll need a copy of your report and a confirmation code that comes with it before Equifax can talk with you in any detail about your report. If Equifax changes your report, it will send you a confirmation notice. Once you receive that confirmation, please call PEMCO Customer Service at 1-800-467-3626, and we'll then reorder your insurance score. If the new score results in a lower rate, we'll change it retroactive to the beginning of your current policy term.