FAQ Articles (2024)

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Equifax Premium Products Equifax Premium Products Equifax Value Products Equifax Value Products Help Choosing a Product Help Choosing a Product Learn more about... Who We Are Our Commitments Why Equifax Investors Culture & Careers Don’t have an account? Don’t have an account? Most popular questions - Security Freeze Still have questions? Related Content - Security Freeze

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Security Freeze Credit Report Disputes Credit Report & Credit Scores Equifax Products Military Personnel and Families Fraud Alerts Visit FAQ Center
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My Personal Credit

My Personal Credit

Equifax Premium Products
Equifax Premium Products
Get peace of mind when you choose from our comprehensive 3-bureau credit monitoring and identity theft protection plans.
EquifaxComplete™Family Plan
Equifax Complete™ Premier
Equifax ID Patrol™
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Equifax Complete™ Family Plan
Help look after your family with credit monitoring and ID theft protection features.
Uncover potential fraud with 3-bureau credit monitoring and alerts
Feel more confident knowing that the dark web is being monitored for your Social Security Number
Help better protect up to 4 children by locking their Equifax credit report
Learn More about Family Plan
Equifax Complete™ Premier
Take control with a one-stop credit monitoring and identity theft protection solution from Equifax.
Know where you stand with access to your 3-bureau credit scores and report
Help monitor your credit and Social Security number
Uncover potential fraud with credit monitoring and alerts
Learn More about Premier
Equifax ID Patrol™
Help better protect your identity and stay on top of your credit.
Help spot potential signs of ID theft with 3-bureau credit file monitoring
Control access to your Equifax credit report, with certain exceptions, with the freedom to lock and unlock it
Uncover potential threats to your identity with dark web scanning and alerts
Learn More about ID Patrol
Equifax Value Products
Equifax Value Products
Get the basics you need to stay on top of your credit; including 1-bureau credit score access, Equifax credit report lock, and alerts.
Equifax Complete™
Equifax Credit Monitor™
Equifax Core Credit™
Compare Value Products
Equifax Complete™
Don’t let identity theft catch you off guard. Get better prepared to monitor your credit and help better protect your identity with Equifax Complete™.
Receive alerts of key changes to your Equifax credit report
Should you become a victim of identity theft, our dedicated ID Restoration Specialists will work on your behalf to help you recover
Learn More about Complete
Equifax Credit Monitor™
Easily lock and monitor your Equifax credit report with alerts.
Know when key changes occur to your credit score and Equifax credit report with alerts
Control access to your Equifax credit report (with certain exceptions)
Learn More about Credit Monitor
Equifax Core Credit™
Get the basics with your monthly credit score and report.
Keep track of your financial progress with monthly VantageScore credit scores
Feel credit confident with monthly access to your Equifax credit report
Learn More about Core Credit
Help Choosing a Product
Help Choosing a Product
Not sure where to start? Take our quick product finder quiz to find a product that helps meet your needs.
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My Personal Credit Home

Business

Credit Risk

Monitor and Manage Accounts Identify New Customer Credit Risk Optimize Portfolio Performance Analyze Multi-Data Assets for Credit Risk Improve Collections & Recovery Strategies Access Market & Business Intelligence

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Verification

Verify Income & Employment History Verify Eligibility for Government Programs Verify Education History

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Support Regulatory & Security Compliance Prevent Fraud Risk & Loss Verify, Authenticate & Link Identities Assist Credit Risk Compliance

View All Identity & Fraud

Data-Driven Marketing

Uncover Hidden Risks and Opportunities Retain & Grow Customer Relationships Analyze Market Potential Target High-Potential Prospects Improve Marketing Strategies, Tactics & Results Deliver a Better Customer Experience Target the Right Audiences Online

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Workforce Management
See Also
What is Credit Freeze and How Is It Done?Credit Freeze

Onboard New Hires Simplify and Manage Tax Forms Manage Unemployment Activities Manage HR Compliance Activities Pre-screen Employment Applications

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Industries

See the Industries we service.

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Products

See the Products we offer.

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My Personal Credit

Learn more about...

Credit Scores Understand credit scores, credit worthiness, and how credit scores are used in day-to-day life.

Credit Reports Understand how your financial behavior impacts you and your credit, along with what is included on your credit reports and why.

Fraud & Identity Theft Explore ways to better protect your information, plus warning signs of fraud and identity theft, and what to do if you believe your identity has been stolen.

Debt Management Learn how debt can affect your credit scores, plus the different types of debt (both good and bad), and best practices for paying it off.

Credit Cards Explore tips on getting the right credit card for you and what it means for your credit. Plus, managing credit card debt and what to do if you lost your card.

Personal Finance Discover personal finance tips and tricks around everything from managing your money to saving and planning for the future.

Loans Explore the nuances of the different types of loans, including personal and student loans, and the potential pros and cons of co-signing a loan.

Life Stages Whether you’re saving up for a car, home, or college, learn how your credit can help remove friction from making milestone purchases.

Cybersecurity Understand how to shop online more safely, how to create and store stronger passwords, and more.

Información crediticia de EE. UU. Información útil en español que cubre informes de crédito de Equifax^&reg en los EE. UU., puntajes de crédito y consejos de administración del dinero.

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Business

Market Pulse Market Pulse Credit Trends Market Pulse Podcast Recession Readiness Insights Digital Marketing Solutions

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Resources Blog API Developer Portal Events

Market Pulse

Economic and credit insights.

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About Us
Who We Are

Who We Are
As a trusted global leader in data, analytics, and technology we deliver insights that power decisions to move people forward.
Explore Who We Are

Our Commitments

Our Commitments
We believe that positive economic change starts with a single opportunity. Equifax plays an important role in making those opportunities possible. The work we do is supported by strong environmental, social and governance practices with a commitment to fostering an inclusive and diverse workplace.
Explore Our Commitments
Financial Inclusion
Inclusion and diversity is at the core of our shared values, and we are committed to seeking and embracing new and unique perspectives.
Security
Discover how we ensure utmost privacy and fraud prevention for your valuable information.
Inclusion & Diversity
Our dedication to inclusion and diversity is core to our values and to creating long-term and sustainable growth for our employees around the world.
Community Engagement
We strive to support and positively impact our communities through our unique resources, Foundation grants and volunteer efforts.
Consumer Experience
The Equifax commitment to data accuracy and consumer experience helps empower consumers in their financial lives
Environmental, Social and Governance Priorities
See Our Enviromental, Social and Governance Priorities.

Why Equifax

Why Equifax
We believe knowledge drives progress. As a global data, analytics and technology company, we deliver decision intelligence for your business, allowing you to make critical decisions with greater confidence. Our robust insights power decisions to move people forward.
Explore Why Equifax
AI
Equifax uses AI Systems in a transparent, trustworthy, fair, explainable, and secure manner, to provide benefits to consumers, customers, and our technical and business operations.
Equifax Cloud + Data Fabric
Helps customers innovate faster, develop deeper insights, take smarter actions, and deliver better outcomes at scale.
Consumer Impact
Equifax combines differentiated data, analytics and technology to make an impact worldwide.
Advanced Analytics
Leveraging the Equifax Cloud, our data scientists develop a 360-view of consumers and businesses with a powerful combination of differentiated data and advanced analytics.
Differentiated Data
Manage risk and explore new opportunities while creating a better experience for consumers.
Global Credit Trends
Explore global credit and financial data insights. Delivering trends in credit risk, debt, utilization and delinquencies from around the world.

Leadership

Investors

Investors
We are Equifax, a leading global data, analytics, and technology company that helps businesses and government agencies make critical decisions with greater confidence. Our unique blend of differentiated data, analytics, and technology lets us create the insights that power decisions to move people forward.
Explore Investors
Press Releases
View a list of Equifax Press Releases
Corporate Governance
Corporate governance guides our actions and prepares us to meet new challenges and opportunities.
SEC Filings
View the latest SEC Filings
Environmental, Social and Governance
Equifax efforts for reducing environmental impact by increasing our energy efficiency and managing waste.

Culture & Careers
At Equifax, we are focused on nurturing our people through meaningful opportunities for career advancement, learning and development, supporting our next generation of leaders, an inclusive and diverse work environment, and employee engagement and recognition.
Explore Culture & Careers
Careers at Equifax
Equifax is where you can achieve your true potential, grow, live fully, and be a force for good. A place where you can power your possible.
Health & Wellness
We support employees’ physical and mental well-being through tools and resources to help them live their best.
Inclusion & Diversity
Inclusion and diversity is at the core of our shared values, and we are committed to seeking and embracing new and unique perspectives.
Growing Your Career
Learn about the employeee experience and career growth opportunities at Equifax.
Community Engagement
We strive to support and positively impact our communities through our unique resources, Foundation grants and volunteer efforts.

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Credit Card Offers

Credit Card Offers

Find a new credit card that may be right for you!

Equifax will communicate your zip code and your selected credit score band to LendingTree. Equifax does not receive or use any other information you provide about your request.
Offers not available in all states. Input your home zip code to check eligibility.

Personal Loan Rates

Personal Loan Rates

Shop and compare loans to find the right option for you!

Answer a few simple questions about your loan request. Equifax will send your zip code and the purpose of the loan you are interested in to LendingTree. Equifax does not receive or use any other information you provide about your request. LendingTree will share your information with their network of providers.
Offers not available in all states. Input your home zip code to check eligibility.

Auto Loan Rates

Auto Loan Rates

Compare financing offers from top lenders based on your location and needs!

Answer a few simple questions about your loan request. Equifax will send your zip code and the type of loan you are interested in to LendingTree. Equifax does not receive or use any other information you provide about your request. LendingTree will share your information with their network of providers.
Offers not available in all states. Input your home zip code to check eligibility.

Insurance Quotes

Insurance Quotes

Compare Home, Life, and Auto Insurance Quotes to fit your needs!

Answer a few simple questions about your insurance quote request. Equifax will send your zip code and the type of insurance you are interested into LendingTree. Equifax does not receive or use any other information you provide about your request. LendingTree will share your information with their network of providers.
Offers not available in all states. Input your home zip code to check eligibility.

View all offers
Credit Report Help

Free Services for Consumers

Get your free weekly credit report
Access a free weekly credit report through www.annualcreditreport.com.

Dispute information on your Equifax credit report
Submit a dispute if you notice something is inaccurate or incomplete on your credit report.

Get your free credit score and report
A monthly free credit score is available as part of Equifax Core Credit^™. You'll also receive a monthly Equifax credit report - no credit card required.

Place a security freeze
Place or manage a freeze to restrict access to your Equifax credit report, with certain exceptions.

Get my free Equifax credit report
With a myEquifax account, you'll receive multiple Equifax credit reports each year. No credit card required!

Request a fraud or active duty alert
Place an alert on your credit reports to warn lenders that you may be a victim of fraud or on active military duty.

Obtenga su informe crediticio gratuito de Equifax US en español
Ahora puede obtener su informe crediticio Equifax^® de EE. UU. en español en línea o llamando al 1-888-EQUIFAX (presione 8 para hablar con un agente en español).

Sign up for active duty credit monitoring
Get free credit monitoring if you are an active duty military or National Guard member.

Other ways to get additional free credit reports
You may be entitled to additional free credit reports in certain circ*mstances, such as after placing a fraud alert, becoming unemployed or receiving public assistance, or being denied credit or insurance in the past 60 days.

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Submit or track a dispute
Access your Equifax Core Credit™ or Equifax^® paid product

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Place or manage a freeze
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Frequently Asked Questions
What Are the Security Freeze Fees?

Hello, how can we help?

Placing, temporarily lifting and permanently removing a security freeze on your credit reports is free.

Click here to learn more about how to place, temporarily lift, or permanently remove a security freeze on your Equifax credit report.

Most popular questions - Security Freeze

What's the difference between a credit report lock and a security freeze? Can I lock my Equifax credit report if I have a security freeze? Why can't I lock my Equifax credit report when it's frozen? How do I replace a security freeze with a lock on my Equifax credit report? How secure is the information I provide to Equifax.com? What is a security freeze?

Still have questions?

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