Safeguard your identity with Equifax Complete ™ Premier
Credit monitoring gives you more confidence. Identity protection gives you greater peace of mind.
Rest easy knowing assistance is available
Lost wallet assistance feature. One call for help replacing credit cards, ID cards and much more!
Financial Alerts Set up financial alerts to key changes or suspicious activity on your banking and credit card accounts.
Unlimited access to your Equifax credit score means you get your info whenever you want it.
Credit Score trending gives you a graphical view of your credit score over time.
Identity Theft Protection with $1,000,000 ID Theft Insurance 3 and Automatic Fraud Alerts. 4
Take steps to know where your personal information appears online and help protect its accuracy. 5
Interactive Score Estimator Learn how future actions could impact your credit score. 6
Social Security Monitoring Searches suspicious web sites for your Social Security number. 7
Safeguard your identity with the ability to lock and unlock your Equifax credit file. 8
The Equifax credit score is based on an Equifax credit score model and is not the same as scores used by 3rd parties to assess your creditworthiness.
What is a Credit Score?
Your credit score is a mathematical model designed to predict credit risk, based on data contained within your credit file. Lenders typically review this type of information to determine whether to extend credit, and on what terms. A higher score usually means you pose a lower risk to the lender, who will, in turn, be more likely to offer you favorable interest rates. The information contained in your credit files changes over time and so might any new scores based on your data. For example, your credit score from a month ago may have changed if there has been any recent activity on your credit file. A number of factors can affect your credit score, including:
The length of your credit history
Any new accounts you may have opened
Inquiries into your credit file
How many accounts you have in use
The Equifax Credit Score™ model — a proprietary formula using the information from your Equifax credit file — is a numerical value ranging from 280-850; the higher the value the lower the credit risk. Third parties may use other credit scoring models to determine creditworthiness, so your actual number could vary when making an application. However, most models consider similar factors and share a common theme — generally, the higher your score, the lower the credit risk.
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Free for the first week, then $19.95 per month thereafter. You may cancel at any time; however, we do not provide partial month refunds.
1 We will require you to provide your payment information when you sign up. You may cancel during the Free Trial Period without charge. If you do not cancel during the Free Trial Period, we will immediately charge your card $19.95 and will charge the card $19.95 for each month you continue your subscription. You may cancel at any time; however, we do not provide partial month refunds.
2 The credit scores provided under the offers described here use the Equifax Credit Score™, which is a proprietary credit model developed by Equifax. The Equifax Credit Score and 3-Bureau scores are each based on the Equifax Credit Score model, but calculated using the information in your Equifax, Experian and TransUnion credit files. The Equifax Credit Score is intended for your own educational use. It is also commercially available to third parties along with numerous other credit scores and models in the marketplace. Please keep in mind third parties are likely to use a different score when evaluating your creditworthiness. Also, third parties will take into consideration items other than your credit score or information found in your credit file, such as your income.
3 Identity theft insurance underwritten by subsidiaries or affiliates of Chartis Inc. The description herein is a summary and intended for informational purposes only and does not include all terms, conditions and exclusions of the policies described. Please refer to the actual policies for terms, conditions and exclusions of coverage. Coverage may not be available in all jurisdictions.
4 The Automatic Fraud Alert feature is made available to consumers by Equifax Information Services LLC and fulfilled on its behalf by Equifax Consumer Services LLC.
5 Privacy monitoring, powered by Reputation.com, Inc., searches Internet sites to attempt to find and remove the consumer's personal information on the Internet. However, there is no guarantee that Privacy Monitoring is able to locate and search every possible internet site where consumers' personal information is being displayed. In addition, certain data companies may not honor requests sent regarding removal and data cannot be removed from those sites.
6 Score Estimator results are provided for educational purposes only and are intended to show the impact that certain hypothetical actions could have on your credit score, assuming that all other variables remain constant. This is not a guarantee that your score will change as shown in this Score Estimator. Your actual score calculation may change frequently, even daily, as the information in your credit file(s) changes.
7 SSN Monitoring via WebDetect™ (an included feature) attempts to scan internet sites where consumers' personal information is suspected of being bought and sold, and periodically adds new sites to those it searches. However, the internet addresses of these suspected internet trading sites are not published and frequently change, so there is no guarantee that WebDetect is able to locate and search every possible internet site where consumers' personal information is at risk of being traded. In addition, you will need to specifically select SSN as a field of personal information that you want monitored.
8 Locking your credit file with Equifax Credit Report Control will prevent access to your Equifax credit file by certain third parties, such as credit grantors or other companies and agencies. Credit Report Control will not prevent access to your credit file at any other credit reporting agency, and will not prevent access to your Equifax credit file by companies like Equifax Personal Solutions which provide you with access to your credit report or credit score or monitor your credit file; Federal, state and local government agencies; companies reviewing your application for employment; companies that have a current account or relationship with you, and collection agencies acting on behalf of those whom you owe; for fraud detection and prevention purposes; and companies that wish to make pre-approved offers of credit or insurance to you. To opt out of such pre-approved offers, visit www.optoutprescreen.com/.
Equifax is a registered trademark of Equifax Inc. Equifax Complete™ Equifax Complete™ Premier, Equifax Credit Score™, Equifax Credit Report™, Equifax Credit Report Control™, Interactive Score Estimator™, and WebDetect™ are registered trademarks of Equifax, Inc. © 2014, Equifax Inc., Atlanta, Georgia. All rights reserved
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