Equifax ranks at the top of the industry due to their impressive online and mobile tools in addition to the availability of all major credit scores, including those that aren't typically provided. Whether you're looking for a one-time report or credit monitoring, it's hard to find a better option than Equifax.
Access to all major credit scores
When you request an Equifax credit report, you also get scores from Experian and TransUnion, the two other major U.S. credit bureaus, as well as FICO and VantageScores. FICO scores are most often used by lenders while VantageScores, though similar, are less common. Few other companies give access to both these scores. With all of these different scores available, Equifax enables you to see all the information you need in one place, making it one of the best companies in the industry.
Excellent set of online tools
The Equifax dashboard enables you to view information about your accounts, such as your total debt and total credit limit. If you come across incorrect information in your Equifax credit report, simply use the online dispute tool to contest it. The Score Estimator feature is extremely helpful for those contemplating a major financial decision, as it shows you how that decision will ultimately affect your Equifax credit score. If you’re worried your identity has been stolen, you can easily place a security freeze on your account through the online dashboard.
FICO score monitoring
Few companies in the industry offer FICO scores and even fewer actually monitor them for you. Equifax is one of the elite that does both. FICO scores can be important to your creditworthiness, so if it’s something that matters to you, you should definitely take a good look at Equifax.
Service offerings tailored to businesses
Businesses often have different credit report and credit monitoring needs than individuals do. Equifax has special tools and reports designed specifically for these needs. They offer Equifax credit reports for businesses along with reports from the other two major credit agencies and consumer credit data to help make prudent business decisions. They offer debt collection services, if needed, and monitor your business credit, which helps keep your Equifax credit score where you want it.
Variety of support options
It’s especially important for credit score or credit monitoring services to offer access to a support representative. If you find a mistake on your account or believe you are the victim of identity fraud, you may need someone to guide you. Equifax provides several different ways for you to contact them. They have phone and email as well as live chat support, which comes in handy if you need a quick answer and don’t want to wait to talk to a representative or receive an email reply. If you prefer to reach out through social media, you can contact Equifax on their Facebook or Twitter accounts.
Strong mobile app
Equifax offers one of the best mobile applications in the industry, enabling you to receive alerts for changes to your Equifax credit score.
No monthly credit statement
Several other top credit monitoring companies send you a statement each month to let you know where your credit stands but Equifax is not one of them. This shouldn’t be an issue for most, though, because you can log into your account at any time to view the latest information about your credit reports and scores.
- Automatically Enrolled in Credit Monitoring: No
- Available Reports: Equifax, Experian, TransUnion
- Available Scores: Equifax, Experian, TransUnion, FICO, Vantage
- Length of Free Trial Period: N/A
- Monthly Monitoring Fee After Free Trial: N/A
- One-Time Credit Report Price: $15.99 for report and score
- One-Time Credit Score Price: $15.99 for report and score
- Price: $39.95
Equifax Credit Report and Score
- Price: $15.95
Credit Score Watch
- Price: $14.95/month
- Price: $19.95
Equifax Complete Premier Plan
- Price: $19.95/month
Equifax Complete Family Plan
- Price: $29.95/month
Equifax offers many plans for credit monitoring, identity theft protection, and getting credit reports or scores. The Complete Report includes a credit report and score from each of the three major bureaus. The Three in One Credit Report puts your credit history from all three credit reporting agencies into one simple report. The Equifax Credit Report and Score includes only your Equifax Credit Score and Credit Report as well as the factors that affect your score. The Score Power package will provide you with an Equifax credit report and your FICO Score. The Equifax Complete Advantage Plan provides credit monitoring and identity protection in one package in addition to accessing your credit reports and scores. The Equifax Complete Premier Plan is very similar, except it offers unlimited credit report access. Equifax offers a number of other packages, like those for family protection.