One of the three largest credit reporting bureaus in the United States, Equifax Inc. is also the oldest one. It is a global serving agency with many credit monitoring tools available for the credit holders. Each of these products is also closely associated with credit ID protection. As a credit holder, you can choose among various Equifax plans and products that meet your needs and requirements. Here you can have a review of various products available with the agency with a number of desirable features.

Equifax Complete Advantage Plan

It is one of the most useful products available with Equifax. Apart from providing 3-bureau credit monitoring, the plan keeps credit identities under 24-hour surveillance to detect any signs of thefts and frauds. Besides, the plan provides 3-bureau credit scores once every year. If that is not enough, you can enjoy the unlimited access to your Equifax credit score. The advantage of the plan is further extended by the email alerts that the service provider issues in case of credit changes. It can be a powerful tool in thwarting the ID threats. Going further, the plan includes identity theft insurance worth $25,000. All these features can be enjoyed by opting for the Equifax Complete Advantage plan at the affordable price of $16.95 every month.

Equifax Complete Premier Plan

The plan takes credit monitoring and ID protection to a higher level with even more capable features. Apart from unlimited access to Equifax credit score and once a year credit score access for three credit bureaus, the plan includes Automatic Fraud alerts. Any type of change made to the credit files is informed to the credit holder via email alerts. The outstanding feature of the plan is the assistance available in canceling and reissuing various accounts and documents in case of identity fraud detection.

Credit cards, debit cards, driving license, social security cards, insurance cards and various other documents can be canceled and reproduced with the help of the expert help available under this plan. You will also enjoy the identity theft coverage of $1,000,000 with this plan. The Complete Premier Plan is available at a slightly higher monthly cost of $19.95.

Score Watch

Equifax offers another plan called Score Watch at the exciting monthly price of $12.95. Using this plan, you can access your full FICO score twice a year. The plan also provides access to Equifax Credit Report two times every year. Daily monitoring of Equifax credit report is one of the main highlights of the plan as it helps in monitoring the changes made to the report on regular basis. Email and mobile alerts are issued to inform the credit holders about the changes in their credit reports. Assistance is offered under this plan to help improve and maintain your credit score.

Complete Report and Complete Report Pack

Credit holders who wish to review their credit standing before applying for a loan can choose the Complete Report plan of Equifax. The plan provides 3-bureau credit report and 3-bureau credit score in an easy to understand manner. You can also seek assistance in understanding your credit report from the experts and prepare for your loan application accordingly. It is a one-time use product available at the flat fee of $39.95. An extended version of the product is Equifax Complete Report Pack that allows multiple time access of credit reports at the cost of $89.95.

3-in-1 Credit Report

Another single use Equifax product is 3-in-1 Credit Report which is available at one-time price of $29.95. With the help of this plan, you can view consolidated 3-bureau credit reports presented in a simple to read manner. The highlight of this plan is that you can have instant online access to the consolidated credit report.

Equifax Credit Report and Score

If you are interested only in accessing the Equifax credit report and credit score, you can choose this plan available at the price of $15.95. The report offered under this plan provides information on the factors affecting your credit standing positively and negatively. Interactive Score Estimator is among the highlighting features and it allows the credit holder to evaluate how his or her actions can affect the credit score. More information is provided on how lenders evaluate the credit score to decide in favor or against your applications.

Other Advantages of Being with Equifax

Apart from the plans and products reviewed above, there are many other advantages that you may enjoy with Equifax. Some of them include:

• Free Annual Credit Report: You can receive Equifax credit report free of cost once every year to view your credit profile. If you don’t indulge in frequent credit-related activities and maintain good credit score, you may feel satisfied with this free report. However, applying for loans and other credit-related activities will require you to choose one of the Equifax plans.
• Request Fraud Alert: With Equifax, you can set alerts to ensure that your credit ID is fully protected. If you are worried about credit identity frauds and thefts, you can choose the initial 90 day alert option offered by Equifax. The alert will be placed on your credit file and any suspicious activity will be detected and information about the same will be immediately sent in the form of alerts.
• Security Freeze: You can also use the Security Freeze feature of Equifax to temporarily freeze your credit account. This is another useful feature to prevent damage cause by possible identity frauds. Remember that bans can be lifted at any point of time.
• Dispute Errors: If you find errors or wrong entries in your credit report, you can file a dispute with Equifax to get them resolved. These errors occur commonly and can seriously affect the credit score. Learn about the simple process of error disputing with the help of the information available on the Equifax website.

Equifax offers round the clock customer support to help its subscribers and users in all possible ways. Credit monitoring with Equifax will help you take the right financial decisions and also to keep your credit identity safe and secure.