Equifax Credit Monitoring

Review Body: Your credit score influences far more than just whether or not you get a credit card you apply for. Insurance companies, banks, landlords, and even employers look at your credit report. You don't want to be denied housing or a job if someone steals your identity or incorrect information ends up on your credit report.

Equifax Credit Monitoring is one way to combat against issues with your credit report. This service, offered by one of the three major credit reporting bureaus, tracks your credit score and credit report. You have access to your credit score and report. Not only do you get your report from Equifax, you also get your report from Transunion and Experian. You pull reports from all three once every 12 months, and you always have access to your Equifax specific report and score. This gives you a complete picture of what is on all of your credit reports, since some information does not always end up on all three reports.

In addition to monitoring your credit report 24/7, you also get privacy monitoring and protection. This service comes with identity theft protection as well, covering up to $25,000 in associated losses. If you do have the unthinkable happen and fall victim to identity theft, you get a specialist to help you through the process of fixing things. Equifax credit monitoring gives you a few ways to receive your alerts. One of the most convenient features is the wireless alerts. This sends any credit alerts to your mobile device, so you're always on top of what's going on with your credit.

If you want to keep track of financial alerts on a specific credit account, you set this up through the service on two of your accounts. You get the same kind of alerts with this as you do with your credit monitoring. This service also gives you a way to have a good idea of all of your credit history. The reports are laid out in an easy to read fashion, with sections that show you exactly what type of account you have. The payment history for every account is provided as well. As you look through your reports, any negatives are shown clearly marked.

If you have issues on your credit report, you dispute these problems directly from the report in the service. This saves you the extra steps of having to go through each bureau and finding the dispute section. You want to get all of the information on your credit reports as accurate as possible so you don't have any problems down the road. Your financial health could depend on it.

Pros: All three reports and scores available Wireless alerts 24/7 credit monitoring Identity theft protection

Cons: Relatively high price per month Cannot access other two bureau report and scores more than once per year

Amount Paid: 17.95/month

Purchase Date: 12/3/2011

Online or In-Store: Online

Final Notes: Equifax Credit Monitoring is a powerful tool to keep your credit report clean. Misinformation and identity theft are major issues with credit scores, and you don't want incorrect information to mar your creditworthiness. Instead of getting turned down for a loan, you are proactive about your report with this service.

Recommended: Yes

Overall Rating: 5/5

This service is really important for people trying to buy a house. You want to have the best credit available when you go to get a loan for your home. To be honest with you, I didn’t really start to pay attention to my credit until I planned on buying a home with my wife. It never really mattered, but all of a sudden we wanted a home for the children we planned on having. Then it became a huge deal. I went to repair all the little dings that my credit got along the way and I wanted that repair to sustain. I enrolled in this program and put a lot of plans into action to improve my credit score. I could see certain strategies work right away and other strategies that didn’t work so well, so I stopped doing them. This service got my credit into a great range and we were able to buy a house with a great rate. I was really proud of myself and my wife was really happy. I would recommend this service to anyone in a similar boat.

Failing to keep close enough eye on your credit report is a common mistake that a lot of people make. Making sure that your credit report is accurate is more important now than ever before because lenders are less likely to loan money to individuals who have a few dents and dings in their credit history. Fortunately, there is something you can do about it if you put Equifax to work for you. You can get unlimited scores and monitor credit reports from the three major credit reporting agencies. If you choose to enroll in the service, you can also take advantage of the up to $1 million in identity theft protection that they offer.

Visit Equifax Credit Monitoring today to learn more about their Equifax Complete Premier service. The number of identity theft and fraud issues continue to grow on a daily basis. With this service, you can have your credit monitored on a 24 hour basis, every day of the day. Get alerts any time there is some type of change, so that you can take action against any type of fraudulent activity as soon as possible. You'll be able to view your credit scores from all 3 of the major bureaus on a yearly basis, at no extra charge. Another helpful feature is the $1 million in identity theft protection, which helps safeguard against the worst that identity thieves can do.

I hate the fact that when you check on your credit, it lowers your score. That is a ridiculous system and Equifax can help.

Larger businesses have long had a distinct advantage when it comes to making safe financial decision, due to the information they have access to. As of now however, Small Business Credit Reportsfrom Equifax Credit Monitoring are leveling the playing field once and for all, offering big business service standards to even the smallest and newest of businesses looking to make sure their money is handled with the care and attention it both deserves and demands.

I like my Equifax service. I get email updates on every piece of activity on my credit account and the service has helped me to clean up my credit report and raise my credit score a few points.

I got into law school but then it hit me. I needed to show the bar of California a whole bunch of stuff to be admitted. They even look right at your credit score and determine your ethical value as a person. It was pretty intimidating to say the least, but the worst part of it is that my credit was awful. I messed up a lot of payments through college and it really showed on my credit. I set out to fix it myself and signed up for this service. I could see that all the actions I was taking were paying off in real time. It made me feel confident and good. It also paid off in the end. I am now a certified lawyer in the state of California.

In this day and age, one can never be too careful when it comes to your credit. There are so many credit thieves out there, and I keep a close eye on my credit for that reason. I use Equifax Credit Monitoring because it is a brand I trust. Some of these other companies are here one day and gone the next, and this is not very secure when it comes to monitoring your identity. Many friends of mine have not used monitoring companies and have had their identities stolen and their credit ruined as a result.  

Equifax Credit Monitoring is a very helpful service, and I totally agree with what Isaac W. said. The consequences of having your identity stolen are ones that you really don't want to cope with. A friend of mine went through this 5 years ago, and is still dealing with the consequences. I don't even consider the monthly fee to be a problem, due to the fact that I have such a good level of protection. The way I see it, you're free to refuse such a service. However, repent at leisure if you do.