Equifax Credit Reporting Review

#10 in Credit Reporting

Equifax is one of the major credit bureaus responsible for collecting, managing and organizing financial information in the United States. Part of its services include credit reporting which gives clients access to credit reports to all 3 major credit bureau reports. Equifax credit reporting products allows you to view all essential information in your credit profile and alerts to changes in your credit information. 

Credit Reporting Features

Equifax Complete Advantage offers 3 bureau credit reports along with your credit profile. It gives you quick access to your Equifax credit report and helps you setup alerts to important personal information. Reports are generated annually but the company also offers instant access to your credit reports with a separate purchase of its Complete Report and Credit Report and Score product.  

Credit reporting frequency

Annually

Credit monitoring

Monitors credit reports for unusual activities

Credit reports

Gives access to your credit reports

Credit scores

Gives access to your credit scores

Warning reports

Timely alerts to notify you of any unusual activities

Credit Bureaus

Equifax gives you access to all three credit bureaus with its Complete Report and Complete Premier Plan. But reports are based on its own credit assessment system and not similar to those used by Experian or Transunion.

Experian

Yes

Equifax

Yes

Transunion

Yes

Pricing

Complete Report gives you access to credit reports from the 3 major credit bureaus for $39.95. This includes a detailed review of your credit but based on an Equifax credit score model. For those who would like to monitor their credit frequently the Complete Report Pack does this for a 3 month period for $99.95.

 

Complete Report

Credit Report and Score

Price

$39.95

$15.95

3 Credit bureau monitoring

Yes

Equifax only

Credit report updates

One time only

One time only

Credit scores

Yes

Yes

Credit score updates

One time only

One time only

Identity Theft Protection

Equifax offers identity theft protection especially for those who find themselves in the unfortunate situation of losing their wallet. One of the benefits with enrolling in an Equifax program is it enables you to immediate freeze your Equifax report. The product also offers you fraud assistance and $25,000 ID theft insurance.

ID Theft Insurance

$25,000

Fraud assistance

Yes

Lost wallet assistance

Yes

Alerts

Equifax credit reporting comes with a handy mobile app that gives you access to your credit information and get alerts through your mobile device.

Email

Yes

Text

Yes

Phone

No

Mobile

No

Support Services

Telephone

Yes

Email

Yes

Knowledgebase

Yes

Credit Reporting at Equifax

Equifax gives you credit reports from all 3 credit bureaus but this is only offered annually. It does provide quick access to your credit reports but this is only available with another product purchase. This can be costly since some of the credit report services provide monthly or quarterly reports as standard. Credit reports are done using Equifax credit assessment standards. ID theft protection and alert services are included just in case you find your credit information is being compromised. Equifax is a solid product for those who would like to get unlimited access to their credit profile at Equifax but not much in terms of credit reporting from the other major credit bureaus.

 

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