Equifax Complete™ Premier includes your Equifax 3-Bureau credit report.

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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
    Powered by Reputation.com

  • 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

CREDIT FAQ

What Is a Credit Report?
A credit report contains information about your credit card and loan history, including how you make your payments and how much debt you have, and it may contain records of action taken against you because of outstanding bills.

Lenders, landlords, other service providers and third parties buy your credit information in the form of a credit report to help them decide whether to approve your application for a loan, credit card, or housing, or to offer you a product or service at a particular rate.

Equifax is one of the leading credit reporting agencies in the United States. The other two major credit bureaus are Experian and TransUnion. Each credit agency maintains information about your credit history.

While all consumers are eligible for one annual free credit report from Equifax, Experian and TransUnion, it's important that you review your credit information regularly to check its accuracy, as these 3-Bureau credit reports change regularly. Equifax credit monitoring products can help monitor and protect your credit by alerting you of any changes to your credit report.

What Information Is Included in Your 3-Bureau Credit Reports?
Your Credit Report from Equifax, Experian and TransUnion includes the following information:

Personal information compiled from credit applications you've filled out. This information normally includes your name, current and recent addresses, Social Security number, date of birth, and current and previous employers.

Credit history
The bulk of your credit report consists of details about credit accounts that were opened in your name or that list you as an authorized user. Account details, which are supplied by creditors with which you have an account, include the date the account was opened, the credit limit or amount of the loan, the payment terms, the balance, and a history that shows whether or not you've paid the account on time. Closed or inactive accounts, depending on the manner in which they were paid, generally stay on your report for 7 years from the date of their last activity.

Credit report inquiries
Credit reporting agencies record an inquiry whenever your credit report is shown to another party, such as a lender, service provider, landlord or insurer. Inquiries remain on your credit report for up to two years.

Public records
Matters of public record obtained from government sources such as courts of law — including liens, bankruptcies and overdue child support — may appear on your credit report. Excluding criminal convictions, most negative public record information stays on your credit report for 7 years.

What Is Not Included in Your 3-Bureau Credit Reports?
Generally, your 3-Bureau credit reports from Equifax, Experian and TransUnion do not include information about your checking or savings accounts, bankruptcies that are more than 10 years old, charged-off or debts placed for collection that are more than 7 years old, gender, ethnicity, religion, political affiliation, medical history or criminal record. Also, your credit score is generated by information on your credit report, but is not part of the report itself.

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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$4.95 for the first 30 days, then $19.95 per month thereafter. You may cancel at any time; however, we do not provide partial month refunds.1