Since Equifax's complete credit report type costs nothing, you only have to sign up for the service to access it.
Equifax Complete is a service that allows users to track their credit reports and be protected from identity theft from Equifax, one of the three other credit rating agencies in the United States of America. Equifax Complete offers you the credit report and score from Equifax, crucial credit file updates, notifications about any changes to your credit report, up to $1, 000, 000 in insurance for identity theft, and other tools to monitor your credit and personal identity. However, what is the price of such a service? Here are the Equifax Complete pricing plans to give you a clear understanding of what each involves.
Monthly Subscription
If you choose to make monthly payments for the service, Equifax Complete Premier costs $19. 95 monthly. This will provide you with your Equifax credit report file and VantageScore 3. 0 credit score daily.
You also get the following features:
- Credit file monitoring – informs a customer of new accounts that may have been established; payments that have been made in the past which have resulted in lateness; when the credit seeker changes his or her address and other important details.
- Credit card monitoring – checks the internet for fraudulent usage of credit card details
- Data breach notification and identity theft insurance up to $1 million
- Wallet lost support – assists you in reporting lost cards or identification documents and requesting replacements.
Equifax also has a more standard package that does not include credit score updates for $9. 95 monthly.
Annual Subscription
However, a little discount is available if you decide to purchase the Equifax Complete on an annual base, not on a monthly base. Equifax Complete Premier plan costs $139. 95 per year for the total amount if one pays through the year. As of that, it translates to a monthly average of about $11. 66.
Technically the Equifax Complete package without the credit score is a mere $99. 95 per year if paid annually. On average, taking it to 4 weeks in a month, this comes to $8. 33 per month.
This way, you are getting the same product but at $2-3 cheaper per month if you opt to pay for the year instead of every month. It is important to observe that the annual fee is charged as a one-off fee as opposed to the incrementally charged monthly plans.
Two-Year Subscription
Equifax also has a two-year subscription plan for Complete Premier at a lower price than the current price you are subscribing to. The two-year plan fees amount to $239. 40 in total. If you split that over 24 months, it is right around $10 per month which is unheard of in terms of typical strip mall health clubs.
In the two-year option, you save approximately $24 per two years, or $2 per month, compared to the annual subscription option, and about $95 per two years, or $8 per month, compared to the basic monthly subscription rate. So, always remember you should pay $239. 40 for it at once, and you agree to have Equifax Complete Premier for two years.
Other Available Discounts
These are the normal prices that Equifax charges for Complete Premier, although the company may at times run promotions and offer extra reductions on the above prices. For instance, if you registered through an AAA, AARP, or any credit union, you may be eligible for your first month free or an extra 15-20% off on your membership. Complete Premier can be more affordable because of such partner discounts.
Some of the Military, government employees, and students may also get a better discount price on their Equifax Complete subscription.
Free Introductory Trials
Complete Premier is available for a price, yet Equifax provides every consumer with a week of free access to the service for their first membership. There is no need to provide credit card information for the trial subscription of the application.
Equifax also provides a basic service, which is free of charge, and it is called Equifax CompleteTM Core. This plan permits you to see your Equifax credit report summary as well as one Equifax 1-Bureau credit score for free every month. This free method is more limited than the paid Complete plan and consists of one Equifax credit monitoring. While the Identity Protection services, which are the main reason people have for wanting an Identity Guard account, are available in the free EZ product, those interested in real-time alerts, daily credit reports, and other features, would need to invest in the paid Complete product.
In conclusion, Equifax Complete ranges from $10 to $20 per month depending on the plan required and subscription period. Pricing is slightly cheaper with longer one or two-year contracts, although this does not affect the monthly price as much as on a month-to-month basis. Occasionally there are good promotions that can make your rate even lower with the assistance of Equifax partners or if you are qualified as a military, student, or government. However, the fundamental prices lie somewhere between $10 and $20 per month for Equifax credit data and identity protection services.
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