Equifax wiped out his credit score and a little-known policy means he can’t get it back [Video]

David Tregear says getting credit was never a problem, until the rejections started piling up. A car loan, credit cards and more — all denied.

When he checked his Equifax account, he saw his score had been wiped to zero — without warning or explanation. 

“I was just stunned,” said the Victoria man. “I was like, what do you mean I don’t have credit? Are you kidding me?”

What followed was more than a year of frustration. 

Tregear says he begged Equifax to fix the problem — sending documents, filing complaints, even turning to federal and provincial oversight bodies for help. Nothing worked.

Equifax refused to restore his credit score or explain why it dropped to zero, until Go Public started asking questions.

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Only then did the company point to its little-known policy: If a credit file sits inactive, the consumer may be labelled “unscoreable” …