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Helpful features of Equifax Complete Premier.

  • Privacy Monitoring

    Take steps to know where your personal information appears online and help protect its accuracy.3
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  • Auto Fraud Alerts

    With a fraud alert, potential lenders are encouraged to take extra steps to verify your ID before extending credit.4

  • Social Security Monitoring

    Searches suspicious web sites for your Social Security number.5

  • Credit Score Monitoring

    We'll notify you when key changes occur to your credit profile.

  • Financial alerts

    Set up financial alerts for key changes or suspicious activity on your banking and credit card accounts.

  • Lost wallet assistance

    If you lose your wallet, we'll help you cancel and re-issue your cards and ID.

  • Unlimited Equifax Credit Score access

    Pull up your Equifax Credit Score at any time.

  • Annual Equifax 3-Bureau analysis

    Get your 3-Bureau credit scores and credit profile annually.

  • Identity theft protection

    Up to $1 million in ID theft insurance.6

The Equifax Credit Score and 3-Bureau credit scores are based on an Equifax Credit Score model and are not the same scores used by 3rd parties to assess your creditworthiness.2


What is a Credit Score?
Your credit score is a mathematical model designed to predict credit risk, based on data contained within your credit file. Lenders typically review this type of information to determine whether to extend credit, and on what terms. A higher score usually means you pose a lower risk to the lender, who will, in turn, be more likely to offer you favorable interest rates. The information contained in your credit files changes over time and so might any new scores based on your data. For example, your credit score from a month ago may have changed if there has been any recent activity on your credit file. A number of factors can affect your credit score, including:

  1. Payment history
  2. Public records
  3. The length of your credit history
  4. Any new accounts you may have opened
  5. Inquiries into your credit file
  6. How many accounts you have in use

The Equifax Credit Score model — a proprietary formula using the information from your Equifax credit file — is a numerical value ranging from 280-850; the higher the value the lower the credit risk. Third parties may use other credit scoring models to determine creditworthiness, so your actual number could vary when making an application. However, most models consider similar factors and share a common theme — generally, the higher your score, the lower the credit risk.

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Free for the first week, then $19.95 per month thereafter. You may cancel at any time; however, we do not provide partial month refunds.1