Free credit monitoring trial details
When ordering your credit report here, you will automatically be enrolled in a 30-day free trial of credit monitoring and will receive automatic notifications of changes to your Equifax credit report. No obligation – you can cancel this service at any time. If you do not send a cancel notification within your trial period, you will be billed $12.95 for each month your Equifax membership is maintained.
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Benefits Include:
- Immediate online access to your user-friendly 3-in-1 Credit Report
- Line-by-line comparison of your credit history with Equifax, TransUnion and Experian
- With Score Power® you'll also get your FICO® credit score, what your most current score means, comparison with national averages, and a graph of how lenders view you
- Includes a confirmation number needed to use Equifax's free online dispute feature and help fix errors quickly and simply
- Access to Equifax's friendly and knowledgeable Customer Care service seven days a week
Equifax Credit Watch™ Gold with 3-in-1 Monitoring (Free 30-day Trial)
3-in-1 Monitoring makes it easy for you to monitor all 3 of your nationwide credit reports (Equifax, Experian, TransUnion) by alerting you within 24 hours of key changes. Protect your credit and ensure the accuracy of what’s being reported about you in all 3 nationwide credit reports.
Benefits Include:
- Comprehensive credit file monitoring and automated alerts of key changes to your Equifax, Experian, and TransUnion credit reports
- Wireless alerts and customizable alerts available
- Free 3-in-1 Credit Report and unlimited access to your Equifax Credit Report™
- Up to $20,000 Identity Theft Insurance with no deductible (certain limitations and exclusions apply)† at no additional charge to you
- Knowledgeable Equifax Customer Care 24 hours a day, 7 days a week
Credit? What about it?
Put simply, credit worthiness is the reputation for repaying debts on time. People with a better credit score are likely to receive more favorable terms for loans and credit cards as well as house or apartment rentals. Employers, insurance companies and other service providers may also review your credit report in order to make decisions about you.
What is a Credit Report?
Equifax is one of the leading credit reporting agencies in the United States - there are two others. Each maintains information about you and your credit history. This information is gathered on an ongoing basis from many sources that have extended you credit.
Lenders, employers, landlords, and other service providers buy that information in the form of a credit report to help them decide whether to approve your application for a loan, credit card, job, or housing, or to offer you a product or service at a particular rate.
Because your Equifax credit file changes constantly, it's important that you review your information regularly to check its accuracy.
Who Can Look at Your Credit Report?
Anyone with what is considered a permissible purpose can look at your Equifax report. These companies, groups, and individuals include:
Benefits Include:
- Potential lenders
- Landlords
- Insurance companies
- Employers and potential employers (usually only with your written consent)
- Companies you allow to monitor your credit report for signs of identity theft
- Some groups considering your application for a government license or benefit
- A state or local child support enforcement agency
- Any government agency (although they may be allowed to view only certain portions)
- Someone who uses your credit report to provide a product or service you have requested
- Someone that has your written authorization to obtain your Equifax credit report
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