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.
Note that not every state allows for your credit score to be considered in setting your rate. If your credit report is changed, and your state does allow for the use of credit-based insurance scores, then once you receive your change confirmation, please call PEMCO Customer Service at 1-800-467-3626 and we'll 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.