Safeguard your identity with Equifax Complete Premier ™
Plus, get your 3 credit scores FREE!
A Bright Financial Future is as easy as 1,2,3
Credit monitoring gives you confidence. Identity protection gives you peace of mind.
Rest easy knowing
NEW lost wallet assistance feature. One call for help replacing credit cards, ID cards and much more!
with updates to key credit file and score changes.
Unlimited access to your Equifax credit score means you get your info whenever you want it.
Score trending gives you a graphical view of your score over time.
Get peace of mind with $1,000,000 ID Theft Insurance † and Automatic Fraud Alerts. ††
New Equifax app keeps credit access at your fingertips wherever you are.
Interactive Score Estimator Learn how future actions could impact your score.
Enjoy the added confidence of Internet Monitoring for your sensitive personal information with WebDetect.§
Safeguard your identity with the ability to lock and unlock your Equifax credit file. ‡
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.
Your score is based on the Equifax Credit Score™ model — a proprietary formula using the information from your Equifax credit file. It's a numerical value ranging from 280-850, with the higher value representing lower credit risk. And, as the information contained in your credit files changes over time, so might any new scores based on your data. 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.
Lenders may use other credit scoring models to determine credit worthiness, so your actual number could vary when shopping a new loan. However, most models consider similar factors and share a common theme — generally, the higher your score, the lower risk you present to lenders.
See Your 3 Scores Now
* Special introductory price good for a limited time. At the end of the 7 day introductory period, your enrollment will automatically continue at the regular rate of $19.95 per month unless you cancel your subscription.
** The credit scores provided under the offers described herein make use of the Equifax Credit Score™, which is a proprietary credit model developed by Equifax. The 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 lenders along with numerous other credit scores and models in the marketplace. Please keep in mind lenders are likely to use a different score when evaluating your creditworthiness. Moreover, lenders may take into consideration items other than your credit score or information found in your credit file, such as your income.
† 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.
†† 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.
§ WebDetect will scan for your Social Security number (if you choose to) and up to 10 major credit/debit card numbers you provide. WebDetect scans thousands of internet sites where consumers' personal information is suspected of being bought and sold, and is constantly adding 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.
‡ 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 whave 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.
Equifax is a registered trademark of Equifax Inc. © 2013, Equifax Inc., Atlanta, Georgia. All rights reserved
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