Featured Product
Equifax Credit Watch™ Gold plus Credit Report Control™
When combined with Equifax Credit Watch™ monitoring products, our newest security feature — Equifax Credit Report Control™ — allows you to go beyond monitoring your Equifax credit file and take steps to help prevent identity thieves from getting credit in your name. With Equifax Credit Report Control, you can lock and unlock access to your Equifax credit file. That means that you control who can see your Equifax credit file — and when.* Take steps to protect yourself against the damage caused by identity theft and get the peace of mind you deserve.
- Unlimited access to your Equifax Credit Report™
- Up to $20,000 in Identity Theft Insurance**
- Alerts within 24 hours of key changes to your Equifax credit file
PLUS Equifax Credit Report Control™
- Lock and unlock your Equifax credit file
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Our New Year Resolutions: New & Improved Equifax Features for 2008
At Equifax, we strive to make it easy for you to stay in charge of your credit and finances. We believe there's always room for improvement, and we plan to introduce some exciting new features in the upcoming year. From an enhanced Member Center, to easier-to-read reports, we've taken many steps to ensure that your experience with Equifax is a positive one.
We've listened to you. After extensive feedback via our call center, website, and through market research, we learned about changes you wanted to see. Look out for these enhancements in the upcoming months:
We're making our alert tool simpler to use, allowing you to easily customize your alerts to suit your needs, and respond quickly should you receive an alert.
We're simplifying how we present your data, making your credit report and FICO® score summaries clearer and easier-to-read.
New navigation and a comprehensive dashboard within the Member Center will maximize your experience, allowing you to take full advantage of each of the features of your product.
More meaningful explanations of your credit profile. With helpful charts and graphs, you can find out exactly what your information means!
Improved online capabilities will allow you to set up a fraud flag online, and get enhanced online dispute abilities.
Look for more details about these product enhancements coming soon.
Tip of the Month: NEW — Your Equifax Credit Summary
We're pleased to present you with the new Credit Summary — showing your credit report in an exciting new view! The Equifax Credit Summary highlights the information in your credit file that is most important in determining your credit standing by distilling key credit information into one easy-to-read summary. Now you can see what you need to know about your credit at a glance.
We have consolidated the information that is most important to you, clarified its meaning, and broken it down into four components: Accounts (types, debt, debt to credit ratio), Account Age, Inquiries (requests for credit), and Negative Information (late payments, collections, public records). We've also included educational information to help you understand how each component impacts your credit standing. We even offer this convenient summary for our 3-in-1 Credit Report, where clear and concise information from the three nationwide credit reporting agencies is even more important.
Interactive Quiz: Credit Reporting 101 — How Much Do You Know?
Your credit history can play a vital role in your life and can impact everything from getting a loan to renting an apartment — and even qualifying you for a job. Now, more than ever, it's important you have the facts about credit. The Equifax Credit Quiz is a quick and simple way to test your knowledge!
Identity Theft Alerts: Classified Newspaper Auto Scam
In our efforts to keep you alert and vigilant against scams that can damage your credit and finances, Equifax has teamed up with the Better Business Bureau to inform you about the latest fraud schemes.
The following is reprinted with permission from the Better Business Bureau.
BBB has received numerous calls from consumers inquiring about an automobile advertisement placed online via CraigsList.com.
The Setup …
While surfing CraigsList.com for a good deal on a used car, you come across an ad for a 2007 Audi with low miles. The advertised price of only $3500 includes shipping and insurance. Interested parties should contact the advertiser, Adam Puckett, via email at a Yahoo!® address.
You might think this sounds like a good deal — but you might be falling into a trap. Read more to learn the details and how to avoid this scam.
The interested buyer thinks the deal is too good to be true, but has their hopes up that Mr. Puckett will be an honest seller. After many questions of why the car is selling thousands of dollars below Blue Book value, Mr. Puckett explains his son was killed in Iraq and just wants somebody to take care of the vehicle as his son did. The buyer is then supplied with a fake soldier's ID as proof. Feeling reassured, the seller advises the buyer that the vehicle will be shipped via USA Transport located in Chicago, IL and that the funds must be wired through Western Union to the attention of Daniel Von Mark.
The Scam …
USA Transport contacts the buyer once the money has been wired to confirm a scheduled time for delivery; however, the delivery never occurs and the $3500 is gone. The address used by USA Transport is occupied by another unsuspecting business whose address has been stolen and used in this scam.
Protect Yourself From Fraud
BBB advises consumers when shopping any classified advertisement to:
- Purchase from sellers whom you are able to meet in person and view the product before making the purchase.
- Never wire money to an unknown person or address. Making payment via a credit card will allow you to dispute a transaction that was never complete.
Always check with the Better Business Bureau at http://www.bbb.org before spending your money.
© 2008 by the Council of Better Business Bureaus, Inc. Arlington, VA.