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Equifax Credit Reporting Review


ConsumersAdvocate.org Rating: 3.9 / 5 (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.
 
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How is Equifax rated?

Breakdown

4.0/5
Plans and Pricing
3.5/5
Report Details and Frequency
4.0/5
Credit Bureau & Credit Scores
4.0/5
Monitoring and Extra Features

Overall Rating: 3.9 / 5 (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

Report Details and Frequency - 3.5 / 5

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

Credit Bureau & Credit Scores - 4 / 5

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 - 4 / 5

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

Monitoring and Extra Features - 4 / 5

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
https://www.equifax.com/
Company Phone
(877) 742-1415

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Customer Comments & Reviews

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sirwooley
4/29/2022
The absolute worst. Signed up for a trial, and immediately cancelled in the same day, and then they still charged me $19.99 at the end of the month stating that I never cancelled the service. I called to tell them it was supposed to be cancelled, and to issue a refund, and they said that it was never cancelled and that they will not refund me for it. Have you ever heard of a company doing this in 2022? Me neither. Not only did I cancel in the same session that I signed up for the trial for, but the information that their subscription provides is literally useless. Experian on the other hand has been fantastic. So I'm just stating here warning everyone, it's not even worth the initial $5.... Read More

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