Features

Equifax Complete Advantage is a credit reporting and monitoring product offered by Equifax: the oldest of the three major credit reporting agencies. Equifax is based in Atlanta, Georgia and has a staff of over 7,000 employees. It was incorporated in 1899 and had a total revenue of $2.44 billion in 2014. Equifax is an accredited business with the BBB and has an A+ rating.

What Services Does Equifax Complete Advantage Offer?

Equifax Complete Advantage offers users an annual snapshot of their three-bureau credit report and scores, as well as unlimited access to their Equifax credit report and score. To be clear, the initial 3-bureau credit score offer is a one-time a year deal; and although it uses all three credit reports, it is only based on Equifax's credit score model, not your FICO score.

Equifax Complete Advantage also offers members online privacy monitoring; access to identity theft specialists; daily credit monitoring of their Equifax credit data; a $25,000 identity theft insurance; financial alerts on suspicious activities on up to two banking or credit card accounts and an interactive score estimator. The privacy monitoring service scours the internet to reveal what private information exists about you online and helps you protect its accuracy. This service is powered by Reputation.com. The score estimator is a useful tool that helps you calculate the effect financial decisions could have on your credit score.

How Does Equifax Complete Advantage Work?

Equifax Complete Advantage is a subscription service that provides unlimited access to your Equifax credit report, and credit score. It also includes the credit reports of Experian and TransUnion once a year and access to useful credit tools. As with any other credit reporting company, Equifax Complete Advantage users must confirm their identity and register an account before they get access to their credit score. This requires users to provide personal information, such as their name, their date of birth and Social Security Number.

How Much Does It Cost?

Equifax Complete Advantage costs $5 the first month and $18 a month thereafter.

How is Equifax Complete Advantage Better/Worse Than Other Credit Reporting Companies?

Equifax Complete Advantage is powered by Equifax, one of the three major credit reporting bureaus. It includes annual credit reports from all three credit reporting agencies, daily monitoring of Equifax's credit data and unlimited access to Equifax's credit score. As a bonus it also protects your personal information, includes identity theft insurance and will monitor your bank and credit card accounts. All for the just $18 a month.

However, Equifax does not provide your FICO score, the credit score lenders actually use. Instead it only uses the Equifax Credit Score. Even the annual three-bureau credit report and score is based exclusively on the Equifax Credit Score. Equifax doesn't monitor your credit data with Experian and TransUnion either. In other words, it only provides a partial view of your credit history and doesn't include the score that actually matters to lenders. If you are in the market for a loan and want to see the score lenders use to determine eligibility, you will probably want to purchase your FICO score from all three bureaus.

  • Max Monthly Fee
    $18
  • No Monthly Fees
  • Fix Credit Report Errors
  • Identity Theft Insurance
  • 3-Bureau Credit Monitoring
  • FICO Score Available
  • Online Credit Education
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0 votes

Equifax provides the opportunity to take control of your finances. If you suspect someone is messing with your identity, you can even go to your dashboard and have a freeze put on all your accounts. Then you can avail yourself of their Identity Theft help. You're really taken care of. You will pay the price for services, however, so keep that in mind.


0 votes

I had a bad breakup with a loser of a now ex-husband, who nearly wrecked my credit. I needed a way to monitor my credit to make sure he wasn't trying to pull anything in my name, as well as be able to work on raising my score. Equifax allowed me to do these things and much more!


0 votes

Pretty good experience with this company. There are many things I like--including access to other credit unions; the Identity Theft insurance and help if you need it, and the way I can access my credit whenever I want. I think some of the services are a little expensive, though, which is why I'm giving them three stars.


0 votes

This is okay, but I thought that I would be able to access my full credit report whenever I want, and I don't think I can. My score is nice to have, but my bigger concern is who has opened up accounts in my name besides me! I can't get that from a credit score.


0 votes

Great experience with Equifax. I was at another company that didn't charge much at all, but I honestly think I got what I paid for, which frankly wasn't all that much. I am happy with the wide range of services offered by Equifax. I do think that it is a complete advantage, and I'm glad I'm taking advantage.


0 votes

Want to ensure that your credit is being monitored and that you are protected from identity theft? This is the way to go. I can't say enough good things about Equifax. They help me to breathe easier and sleep at night. What a relief to be able to check my credit report in the middle of the night when I'm worried.


0 votes

My brother said there was no reason why I should be paying for Equifax for my credit report, because he got his for free every year. I replied to him that a year was way too long to wait to make sure that your identity hasn't been stolen, or even to see what your credit score is at so you know how you're doing financially.


0 votes

There's a lot to like about this company. They are really well run and I feel like I can trust them. I also really like how they give you access to all of the major credit bureau scores/reports on you. I found it a little confusing to decide which of their plans I shoudl purchase, as there are several. Other than that, it's benn good.


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