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Equifax Complete Family Plan

Our best value for families. Help better protect your loved ones with Equifax Complete™ Family Plan and get:

  • All the features of Premier for you and a second adult
  • Select identity theft protection features for up to four children
 

$29.95 per month. Cancel at any time; no partial month refunds.

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HOW TO ADD A SECOND ADULT

After you enroll, simply provide basic contact info for a second adult from your online dashboard and we’ll send them an invite to get started.

Your Credit. Your Identity.

Choose which credit monitoring1 and identity theft protection plan is right for you.

What You Need To Know:

The credit scores provided are based on the VantageScore® 3.0 model. For three-bureau VantageScore credit scores, data from Equifax®, Experian®, and TransUnion® are used respectively. Any one-bureau VantageScore uses Equifax data. Third parties use many different types of credit scores and are likely to use a different type of credit score to assess your creditworthiness.

SEE BELOW FOR IMPORTANT PRODUCT INFORMATION

Visit the Equifax Consumer Services Center
Access helpful services and useful information to help you take control of your credit report, and better protect yourself from identity theft and fraud.
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Privacy Preference Center

Many US States have passed privacy legislation, giving you greater control over your personal information. Depending on your state of residence, you may or may not have certain rights related to the personal information Equifax maintains about you.

LEARN MORE

Need quick answers? Visit the Equifax Knowledge Center

Understanding Hard Inquiries on Your Credit Report

in Credit Reports Articles

What to Do if You Lose Your Social Security Card

in Fraud & Identity Theft Articles

Will Checking Your Credit Hurt Credit Scores?

in Credit Score Articles

What is a Good Credit Score?

in Credit Score Articles

View All Education
Take control of your financial journey
Learn: Understand your credit
Credit can be complicated. But it doesn't have to be. Learning responsible credit behavior can set you up to reach your goals. Find out what's in your Equifax credit report, how your credit scores are calculated, and how to get on track in your credit journey.
Learn about credit reports and scores
Plan: Reach your financial goals
Life is a series of milestones, and when it comes to finances, knowledge is your most valuable asset. If you're planning to buy a home, purchase a car, or take out a loan, find out what potential lenders are looking for.
Prepare for a large purchase
Protect: Help better protect yourself from identity theft
Find out how identity theft happens, and whether you or your loved ones may be at risk. Learn how to better protect your identity, and what you should look out for. And if you've been the victim of identity theft, find out what you can do immediately to begin the recovery process.
learn about identity theft
Just the Facts
Answers to common questions

Placing, lifting and removing a security freeze is free. You can place, temporarily lift, or permanently remove a security freeze on your Equifax credit report in several ways.
 

  • Online, by creating a myEquifax account. You can check the status of your security freeze through your myEquifax account as well.
  • By phone. Call us at (888) 298-0045. You’ll be required to give certain information to verify your identity. You'll also have the option to receive a one-time PIN by text message or answer questions based on information in your Equifax credit report for identity verification. 
  • By mail. Please download this form for instructions and mailing address. If you are requesting to temporarily lift or permanently remove a security freeze via mail, you’ll need to provide documents to validate your identity and address. Read more about acceptable documents here. After we receive the request and verify your identity, you will receive confirmation.

 
To place, temporarily lift or permanently remove a security freeze on your Experian or TransUnion credit reports, please contact them directly.

Experian: https://www.experian.com/freeze/center.html
TransUnion: https://www.transunion.com/credit-freeze
 
To learn more about the difference between a security freeze and a credit report lock, click here.

Placing a fraud alert on your credit reports is free. Click here to place an initial one-year fraud alert or active duty alert on your Equifax credit report online by creating a myEquifax account. Once your fraud alert or active duty alert is placed, you can also check its status through myEquifax.

You can contact any of the three nationwide credit bureaus to request an initial fraud alert or active duty alert. Once you have placed an initial fraud alert or active duty alert on your credit report with one of the bureaus, that bureau will send a request to the other two bureaus to do the same, so you do not have to contact all three. 

You can also request an initial one-year fraud alert or active duty alert:

  • By calling: 1-800-525-6285; or
  • By downloading this form for an initial fraud alert or an active duty alert and mailing it or submitting a written request to: 


Equifax Information Services LLC
P.O. Box 105069
Atlanta, GA 30348-5069
  
If you have been a victim of identity theft and have a police and/or identity theft report (available at www.identitytheft.gov), you have the right to request a seven-year extended fraud alert on your credit reports.  To submit your request, please download and follow the instructions on the Extended Fraud Alert form.

If you see information on your credit reports you believe is incomplete or inaccurate, a good first step is to contact the lender or creditor directly. This is especially helpful if the information involves your name or address. Updating your personal information with lenders and creditors can help ensure the information reported to the three nationwide credit bureaus—Equifax, Experian and TransUnion – is correct.

If you need to dispute information with the credit bureaus, the fastest way to do so is online. You’ll need to file a dispute separately with each credit bureau. 

You can file a dispute on the following sites:

To assist with your dispute, you may need to upload documents.  Please click here to review documents that may be helpful and, at times, required. 

Most dispute investigations are completed within 30 days, and you will receive a notification once your investigation is complete.

Click here if you would prefer to dispute information via mail or phone.  

To learn more about how the dispute process works, please click here.

There are several ways you can get free credit reports.

Online:

  • Visit www.annualcreditreport.com to get a free copy of your credit reports every week from each of the three nationwide credit bureaus (Equifax, Experian and TransUnion)  - available through April, 2021.
  • Create a myEquifax account to get free Equifax credit reports.  
  • From your myEquifax account, you can also click "get my free credit score" to enroll in Equifax Core Credit™ and get  a free monthly Equifax credit report and a free monthly VantageScore credit score based on Equifax data. A VantageScore is one of many types of credit scores. 

For www.annualcreditreport.com, you can also order credit reports by phone or mail:

  • Phone: Call (877) 322-8228. You will go through an identity verification process over the phone, and your Equifax credit report will be mailed to you within 15 days.
  • Mail: Download the annual credit report request form (requires an Adobe viewer). Print and complete the form, and mail the completed form to:

Annual Credit Report Request Service
P.O. Box 105281
Atlanta, GA 30348-5281

Your Equifax credit report will be mailed to you within 15 days.

The Consumer Financial Protection Bureau's website has additional information on free credit reports. 

A security freeze is one step you can take to help prevent access to your Equifax credit report to open new credit accounts, with certain exceptions.  

Security freezes are federally regulated, and a security freeze must be temporarily lifted or permanently removed each time you apply for new credit. Click here to learn more about how to place, temporarily lift, or permanently remove a security freeze on your credit reports.

Placing, temporarily lifting and permanently removing a security freeze (also known as a credit freeze) on your Equifax credit report is free. 

To freeze your credit reports at the other two nationwide credit bureaus, you will need to contact Experian (www.experian.com/freeze) and TransUnion (freeze.transunion.com).

A fraud alert is a notice on your credit report that alerts creditors you may be a victim of fraud, including identity theft. A fraud alert can make it harder for someone to open unauthorized accounts in your name. It encourages lenders and creditors to take extra steps to verify your identity, such as contacting you by phone, before opening a new credit account in your name or making changes to existing accounts.
 
There are two types of fraud alerts you can place on your credit report, and both are free.

•    Initial fraud alert: If you believe you are or may become a victim of fraud or identity theft, you may place an initial fraud alert on your credit report. An initial fraud alert remains on your credit report for one year, unless you choose to remove it sooner, and can be renewed for additional one-year periods.
•    Extended fraud alert: If you have a police report or a Federal Trade Commission Identity Theft Report showing you’re a victim of identity theft, you may place an extended fraud alert on your credit report. An extended fraud alert remains on your credit report for seven years unless you choose to remove it sooner. Click here for the extended fraud alert form. 
 
You can contact any of the three nationwide credit bureaus to request a fraud alert. Once you have you placed a fraud alert on your credit report with one of the bureaus, that bureau will send a request to the other two bureaus to do the same, so you do not have to contact all three.
 
To place a fraud alert on your Equifax credit report, click here. 
 
To learn about the difference between fraud alerts and security freezes, click here.   

  1. Credit monitoring from Experian and TransUnion will take several days to begin.

  2. We will require you to provide your payment information when you sign up. We will immediately charge your card the price stated and will charge the card the price stated for each month you continue your subscription. You may cancel at any time; however, we do not provide partial month refunds.

  3. Locking your Equifax credit report will prevent access to it by certain third parties. Locking your Equifax credit report will not prevent access to your credit report at any other credit reporting agency. Entities that may still have access to your Equifax credit report include: companies like Equifax Global Consumer Solutions, which provide you with access to your credit report or credit score, or monitor your credit report as part of a subscription or similar service; companies that provide you with a copy of your credit report or credit score, upon your request; federal, state and local government agencies and courts in certain circumstances; companies using the information in connection with the underwriting of insurance, or for employment, tenant or background screening purposes; companies that have a current account or relationship with you, and collection agencies acting on behalf of those whom you owe; companies that authenticate a consumer's identity for purposes other than granting credit, or for investigating or preventing actual or potential fraud; and companies that wish to make pre-approved offers of credit or insurance to you.  To opt out of such pre-approved offers, visit www.optoutprescreen.com.

  4. The Identity Theft Insurance benefit is underwritten and administered by American Bankers Insurance Company of Florida, an Assurant company, under group or blanket policies issued to Equifax, Inc., or its respective affiliates for the benefit of its Members. Please refer to the actual policies for terms, conditions, and exclusions of coverage. Coverage may not be available in all jurisdictions.

  5. WebScan searches for your Social Security Number, up to 5 passport numbers, up to 6 bank account numbers, up to 6 credit/debit card numbers, up to 6 email addresses, and up to 10 medical ID numbers. WebScan searches thousands of Internet sites where consumers' personal information is suspected of being bought and sold, and regularly adds new sites to the list of those it searches. However, the Internet addresses of these suspected Internet trading sites are not published and frequently change, so there is no guarantee that we are able to locate and search every possible Internet site where consumers' personal information is at risk of being traded.

  6. In connection with various settlements, Equifax is making at least six additional free Equifax credit reports each year available online to U.S. consumers on annualcreditreport.com until December 31, 2026. These reports are included in the free weekly Equifax credit reports currently offered on annualcreditreport.com through April 2021.