Equifax Complete™ Family Plan

Take control of your credit

Credit score and report features include:

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  3-bureau credit file monitoring¹²

  You’ll know if key changes occur to your Equifax, Experian and TransUnion credit files, because we’ll be monitoring all three and provide you with alerts.

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  3-bureau credit scores and report

  Your annual 3-bureau VantageScores and 3-bureau credit report will give you an in depth way to assess your credit.

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  1-bureau credit score and report

  Your credit scores and reports can change frequently. You’ll be able to check both your VantageScore credit score and Equifax credit report anywhere, anytime, to see changes that may have occurred.

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  Credit score monitoring

  You’ll know if key changes occur to your 1‑bureau VantageScore credit score, because we’ll be monitoring it and notifying you with custom alerts.

Help better protect yourself from identity theft

Identity theft protection features include:

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  WebScan³

  Your personal information shouldn't be on the dark web. We scan suspected fraudulent websites and alert you if we find your Social Security, credit card, banking and medical ID numbers.

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  Automatic fraud alerts⁴

  If you believe you’re a victim of fraud, you can activate automatic fraud alerts and we'll place an initial alert on your credit report. This alert encourages lenders to take extra steps to verify your identity before extending credit. On an annual basis, we'll automatically renew your fraud alert, so you don't have to.

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  Equifax credit report lock⁵

  Feel more secure knowing your Equifax credit report is locked down from being accessed (with certain exceptions) for the purposes of extending credit.

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  Identity restoration

  Recovering from identity theft on your own can be time consuming. Let us help make it less of a pain. Our dedicated ID restoration specialists will work on your behalf to help you recover from ID theft.

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  Lost wallet assistance

  Losing your wallet is a headache. We make it a less painful ordeal by helping you cancel and reissue your credit and ID cards.

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  Up to $1MM identity theft insurance⁶

  If you’re a victim of ID theft, we have your back. We provide up to $1 million in coverage for certain out-of-pocket expenses you may face as a result of having your identity stolen.

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  Stolen funds replacement⁶

  Lost funds due to identity theft can be difficult to replace. As part of your ID theft insurance policy, we'll recover dollar-for-dollar up to $1 million of stolen banking and checking funds and credit/debit card deductibles that are unrecovered through your financial institution.

Equifax Complete™ Family Plan

1. Credit monitoring from Experian and TransUnion will take several days to begin.
2. We will require you to provide your payment information when you sign up. We will immediately charge your card the price stated and will charge the card the price stated for each month you continue your subscription. You may cancel at any time; however, we do not provide partial month refunds.
3. Credit monitoring from Experian and TransUnion will take several days to begin.
4. WebScan searches for your Social Security Number, up to 5 passport numbers, up to 6 bank account numbers, up to 6 credit/debit card numbers, up to 6 email addresses, and up to 10 medical ID numbers. WebScan searches thousands of Internet sites where consumers' personal information is suspected of being bought and sold, and regularly adds new sites to the list of 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 we are able to locate and search every possible Internet site where consumers' personal information is at risk of being traded.
5. 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.
6. Locking your Equifax credit report will prevent access to it by certain third parties. Locking your Equifax credit report will not prevent access to your credit report at any other credit reporting agency. Entities that may still have access to your Equifax credit report include: companies like Equifax Consumer Services LLC, which provide you with access to your credit report or credit score, or monitor your credit report as part of a subscription or similar service; companies that provide you with a copy of your credit report or credit score, upon your request; federal, state and local government agencies and courts in certain circumstances; companies using the information in connection with the underwriting of insurance, or for employment, tenant or background screening purposes; companies that have a current account or relationship with you, and collection agencies acting on behalf of those whom you owe; companies that authenticate a consumer's identity for purposes other than granting credit, or for investigating or preventing actual or potential fraud; 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.
7. The Identity Theft Insurance benefit is underwritten and administered by American Bankers Insurance Company of Florida, an Assurant company, under group or blanket policies issued to Equifax, Inc., or its respective affiliates for the benefit of its Members. Please refer to the actual policies for terms, conditions, and exclusions of coverage. Coverage may not be available in all jurisdictions.