1. Equifax

    A+ BBB Grade & Industry Award Recognition
    Good Solution for Financial Monitoring

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Equifax Ratings

  • Protection

    Overall Protection of your ID

  • Price

    How Well Are They Priced

    $12.95 - $29.95
    • Equifax Credit Watch Gold

      $12.95
    • Equifax Complete Advantage

      $17.95
    • Equifax Complete Premier Plan

      $19.95
    • Equifax Complete Family Plan

      $29.95
    • Equifax ID Patrol

      $16.95
  • Member Services

    Customer Care & Support

  • Recovery Guarantee

    ID Theft Coverage

    $1 Million
  • Additional Services

    Credit Reports, Anti-Virus, and More

  • Awards & Accolades

    Achievements & Recognition

  • Customer Experience

    What Real Customers Think

  • Expert Review

    What Our Experts Think

  • Number of Reviews

    AllSecurityReviews.com user reviews

    1
  • This Review is maintained by ASR Staff

    Review Last Updated :

Expert Reviews

Equifax Review

Equifax is the oldest of the three consumer credit reporting agencies (TransUnion and Experian) that offer credit risk assessment in the United States. Founded in 1899, Equifax continues to serve as a global leader in gathering and maintaining information on over 600 million consumer credit holders and more than 80 million businesses worldwide. In 1999, Equifax added credit fraud and identity theft protection products for consumers and greatly expanded its B2B business. Equifax generates 158 billion monthly credit score updates.

Equifax provides financial, consumer and commercial data and analytical solutions to individuals and businesses. The main products offer credit monitoring, possible fraud alerts and assistance in identity recovery.

What We Like Equifax positives

We like the fact that account holders get their credit information monitored direct from the source along with ongoing access to their Equifax Credit Score.

We also like that Equifax has been accredited with the BBB since 1952 and holds an A+ rating. While there have been several complaints over the years, Equifax’s response and resolution to those complaints were considered in the BBB’s rating of the company.

What We Don’t Like Equifax negatives

Federal law allows consumers to get a free credit report from each credit reporting company each year. We don’t like that they make this out to be a benefit of service to provide a free yearly credit report with their plans.

While there are several plan options for credit monitoring of financial information, there is an element of personal information monitoring missing in the programs offered. If you are looking for a complete, comprehensive suite of identity theft protection, restoration and recovery, you might be disappointed in the offerings. However, if you are looking for financial monitoring and alerts, getting protection right from the source might be a good idea.

The Bottom Line

Equifax is a solid company with a good reputation (aside from some unfavorable customer reviews) and a stellar BBB score. The majority of Equifax’s consumer product includes monitoring of SSNs, credit card numbers and other financial information; however, there does not seem to be a solid recovery and and restoration process outside of access to an identity theft specialist for fraud assistance. This would be a good product for those looking for more financial/credit card fraud prevention protection.

How It Works

How Equifax Identity Theft Protection Works

With credit monitoring and identity protection services available to consumers and businesses, Equifax has features that allow you to take charge of your credit—credit monitoring, credit alerts, access to credit reports and identity theft assistance.

Personal

Account holder features include daily monitoring of credit files from all 3 credit bureaus, unlimited access to Equifax credit report and score, credit and financial alerts, identity reports and assistance should account holders become victims of identity theft.

Business

Equifax assists small businesses with their business risk assessment needs by offering a Business Assure suite. This service helps businesses verify legal identity of potential clients, partners, suppliers and vendors and helps assess their current credit standings. With the Business Risk Monitor service, small businesses can monitor credit activity like lost revenue and service interruptions of business partners, business customers and suppliers.

Plans & Pricing

Equifax’s Plans & Pricing

Here is a breakdown of each plan and service Equifax offers:

Equifax Credit Watch Gold

  • Comprehensive credit file monitoring
  • Automated alerts of key changes to Equifax credit report
  • Up to $25,000 identity theft insurance
  • Automated fraud alerts
  • Regular Price: $12.95/month

Equifax Complete Advantage

  • Equifax credit score and profile (yearly)
  • 3-bureau credit scores (yearly)
  • Ongoing access to your Equifax Credit Score
  • Comprehensive credit file monitoring
  • 3-bureau credit report automated alerts
  • Financial alerts on two bank accounts and credit cards
  • One-stop lost or stolen wallet assistance
  • Interactive Score Estimator
  • Customer service 7 days a week
  • Access to an identity theft specialist for fraud assistance
  • Up to $25,000 identity theft insurance
  • Regular Price: $17.95/month

Equifax Complete Premier Plan

  • Equifax credit score and profile (yearly)
  • 3-bureau credit scores (yearly)
  • Ongoing access to your Equifax Credit Score
  • Equifax Score tracking
  • Comprehensive credit file monitoring
  • 3-bureau credit report automated alerts
  • Social Security Number monitoring
  • Unlimited financial alerts (credit cards and bank accounts)
  • One-stop lost or stolen wallet assistance
  • Interactive Score Estimator
  • Customer service 7 days a week
  • Access to an identity theft specialist for fraud assistance
  • Up to $1 million identity theft insurance
  • Regular Price: $19.95/month

Equifax Complete Family Plan

  • Everything included in Equifax Complete Premier Package
  • Includes up to two adults
  • Includes credit file monitoring for up to four children
  • Regular Price: 29.95/month

Equifax ID Patrol

  • Credit file monitoring
  • Automated alerts
  • Internet scanning of suspicious websites for your personal information
  • Privacy monitoring and protection
  • Customer service 7 days a week
  • Up to $1 million identity theft insurance
  • Access to an identity theft specialist for fraud assistance
  • Regular Price: $16.95/month

Additional Equifax Products

Complete Report

  • Product is active for 30 days once purchased
  • 3-bureau credit scores and profiles
  • Interactive Score Estimator
  • Customer service 7 days a week
  • Regular Price: $39.95 (one-time fee, non-refundable)

Equifax Credit Report and Score

  • Product is active for 30 days once purchased
  • Account details including positive and negative factors
  • Regular Price: $15.95 (one-time fee, non-refundable)

Credit Score Watch

  • Monitors FICO score.
  • Twice yearly full FICO score and Equifax Credit Report
  • Credit file monitoring
  • Automated alerts to key changes in credit report
  • Customer service 7 days a week
  • Up to $25,000 identity theft insurance
  • Access to an identity theft specialist for fraud assistance
  • Regular Price: $14.95/month

Score Power

  • Full FICO score and Equifax Credit Report
  • Interactive Score Estimator
  • Customer service 7 days a week
  • Regular Price: $19.95

Business Risk Indicator Report for Small Business

  • Company profile
  • Business verification
  • Risk indicator ratings
  • Risk alerts
  • Regular Price: $7.95 per report

Business Risk Monitor for Small Business

  • Public Record Alerts
  • Credit Alerts
  • Risk Score Alerts
  • Regular Price: $5.99/month
Member Services

Equifax’s Customer Service

Account holders have access to knowledgeable customer service agents seven days a week.

Cancellation Policy: Members can cancel at any time by calling 866-243-8181. No partial month refunds.

Customer Service: 1-866-493-9788/1-800-685-1111

More Info

Equifax History & Other Information

Equifax is headquartered in Atlanta, GA and has been in business since 1899.

Equifax operates in the U.S. and 18 other countries from Argentina and Brazil to Spain and Russia.

Address:

1550 Peachtree Street
Mail Drop 65
Atlanta, GA 30309

Corporate Leadership:

CEO: Richard F. Smith
President: Dann Adams
President, Equifax International: Paulino do Rego Barros, Jr.
CFO: John W. Gamble Jr.
Chief Human Resource Officer: Coretha Rushing

Investor Info

Equifax is a publicly traded company listed on the NYSE as EFX.

Equifax Awards & Accolades

Atlanta Journal-Constitution – Top 20 Company to Work for

Mortgage Technology – Top 50 Service Provider

Bloomberg/Business Week Top 50 – Ranked #24

FinTech 100 – Ranked #19

InfoWeek 500 – Ranked #48

Leave a Review of Equifax

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Latest Equifax Reviews on AllSecurityReviews.com

  • 1

    John H.'s review of Equifax

    95 people found this review helpful!

    After seeing the adverts to check your credit score through Clearscore, I opened an account with them where they take all their information from Equifax. The information Equifax give to Clearscore to issue a score is so outdated and incorrect. They are a dangerous company when it affects your personal finances. Trying to contact them is very difficult with E-mails taking weeks to be answered and then with generic answers. If you ring them with calls being transferred overseas, it is so difficult to actually understand the personnel as English is not their first language. They then try to pass the buck and say it is the responsibility of Clearscore who should be contacted. E-mails have been exchanged but the Equifax staff seem incapable of understanding simple statements. They have the audacity to make false statements regarding my bank account and then advise I should contact my bank to correct the situation when it is simply Equifax who have no clue as to what they are doing. Whilst contacting Equifax by E-mail, they then advise that they need to see a copy of my credit report to investigate my concerns. This is the very same credit report that Equifax produce. I really question the knowledge of the staffing of this outfit as they simply cannot understand common sense.This company requires investigating by the authorities,and details have been sent to the Financial Ombudsman. BEWARE.There are other similar companies to use instead

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