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with Equifax Complete Premier
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Get your scores** +
enhanced ID protection

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 you're covered

Rest easy knowing
you're covered

NEW lost wallet assistance feature. One call for help replacing credit cards, ID cards and much more!

Comprehensive monitoring

Stay in-the-know
with updates to key credit file and score changes.

Unlimited access to your Equifax credit report & score

Unlimited access to your Equifax credit score
means you get your info whenever you
want it.

Score trending

Score trending
gives you a graphical view of your
score over time.

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Get peace of mind
with $1,000,000 ID Theft Insurance
and Automatic Fraud Alerts.††

New Equifax app

New Equifax app
keeps credit access at your fingertips
wherever you are.

Interactive Score Estimator

Interactive Score Estimator
Learn how future actions could
impact your score.

Enjoy the added confidence of Internet Monitoring

Enjoy the added confidence
of Internet Monitoring

for your sensitive personal
information with WebDetect.§

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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:

  1. Payment history.
  2. Public records.
  3. The length of your credit history.
  4. Any new accounts you may have opened.
  5. Inquiries into your credit file.
  6. 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