Equifax Credit Reporting Review

Rating: 7.9 / 10 (Very good)
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Equifax is one of the three main bureaus that provide credit reports which other businesses use to determine creditworthiness. Additionally, they offer their own credit monitoring service with a mobile app, allowing consumers to access their Equifax credit file, as well reports from the other two bureaus.

How is Equifax rated?

Breakdown

7/10
Credit Score & Reports
8/10
Monitoring & Tools
8/10
Plans and Pricing
8/10
Reputation & Support

Overall Rating: 7.9 / 10 (Very good)

Equifax is a credit bureau and is not itself in the business of credit monitoring or reporting. However, a subsidiary of the company, Trusted ID, is providing free credit reporting and monitoring services for people who were affected by the 2017 theft of 145 million American's personal identifying information from Equifax's servers. As far as we can determine, Trusted ID's services are not available to consumers other than those affected by the data breach. Very little information about Trusted ID can be gleaned from either its website or Equifax's publications.

Credit Score & Reports

Credit Score & Reports - 7 / 10

Equifax's app allows customers to check all three credit scores, as well as alerts of any key changes from Experian, TransUnion, and Equifax itself.

Credit Bureaus Covered

Equifax
Experian
TransUnion
Access to Credit Scores
Yes
Access to Credit Reports
Yes

Monitoring & Tools

Monitoring & Tools - 8 / 10

By using your GPS location, Equifax's app allows you to see average credit scores in your area, view alerts to any changes, check your credit score 24/7, and get one-step protection if you ever lose your wallet. Additionally, they help customers track changes in their score over time, and check sensitive sites for identity theft or sudden changes.
Credit Tools
Credit Change Alerts
Historical Score Tracking
Security & Protection
Identity Theft Monitoring
Lost Wallet Protection

Equifax Plans & Pricing

Plans and Pricing - 8 / 10

Equifax Security is completely free of charge, helping customers both stay on top of their credit and identifying information, as well as track their scores and how they compare with averages in their area.
Free Report Offered?
Yes

Equifax Reputation & Support

Reputation & Support - 8 / 10

Trusted ID was founded in 2004 and then acquired by Equifax in 2013. It is not listed with the BBB or TrustPilot.

Contact & Additional Company Information

Homepage URL
Company Phone
(877) 742-1415

Top Rated
Our Partner
9.2 / 10
  • Our #1 Rated Pick, A+ rating by BBB
  • Experian credit report is completely FREE
  • TRULY: No credit card required
  • Checking your own report doesn’t hurt your credit
  • Report refreshed every 30 days on sign up