myEquifax

No credit card is needed to sign up for this application. You can easily check your Equifax credit report for monthly updates from anywhere you want. The best part is that checking your credit will not negatively impact your credit score. You can also receive monthly updates on your one-bureau credit score and track your progress over time. Additionally, you can set a score goal and gain valuable insights on your credit journey.

If you want to take your credit monitoring and identity protection to the next level, you can upgrade to a paid plan. The Equifax Complete™ Premier plan offers annual access to your report and credit score from Equifax, Transunion, and Experian. This plan also includes credit monitoring and identity theft protection features such as Dark WebScan, which alerts you if your personal information is found on suspected fraudulent websites on the dark web. You can also receive support from dedicated ID specialists to help you recover from identity theft and receive notifications of key changes to your Equifax credit report through monitoring alerts.

If you have a family, you can opt for the Equifax Complete™ Family Plan, which includes all the features of the Premier plan plus the ability to add a second adult and monitor the Equifax credit file for up to four children.

It's important to note that 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. If you have a one-bureau VantageScore, it will use Equifax data. It's also important to keep in mind that third parties may use different types of credit scores to assess your creditworthiness.

The Dark WebScan feature searches for your Social Security Number, passport numbers, bank account numbers, credit/debit card numbers, email addresses, and medical ID numbers. It regularly adds new sites to its search list, but it's not guaranteed to locate and search every possible site where your personal information may be at risk.

Overall, this application is a valuable tool for monitoring and protecting your credit and identity. It's easy to use and offers various features to help you stay on top of your credit journey. Just remember that the Equifax Complete™ Premier and Family plans are paid options, but they offer additional benefits and peace of mind.