Equifax has been in business for over one hundred years providing accurate and detailed information to consumers and businesses about a variety of credit reporting needs. As the industry has grown this company has continued to grow right along with it, adapting to new challenges and technology every day which is just one reason why Equifax is our "TopTenREVIEWS Bronze Award" winner. 

Equifax 3-in-1 Monitoring + FICO Score provides access to all three of your credit reports and a snapshot of your FICO score annually. In addition to this once per year access, this service also offers unlimited Equifax credit reports.

This monitoring service only costs $14.95 per month and doesn’t appear to have a free trial period. One thing that makes this ideal for anyone concerned about identity theft is that it monitors all three credit bureaus instead of only one.

Additional services are offered by Equifax that monitor your credit, prevent identity theft, and even help you get out of debt faster. We cover those briefly in this review.

Equifax Debt Wise™ ($14.95/mo) can be added on to your 3-in-1 Monitoring access. This is not debt consolidation, but it is a tool that helps you get out of debt faster. This service provides several tools to assist you in getting out of debt including the Fast Pay Plan Wizard, Alerts, Plan Progress reports, and also allows you to get 4 FICO® Score Reports each year.

Debt Wise™ uses a system called debt stacking. Equifax determines the order in which to pay off debts first by analyzing accounts and identifying one as the target account. As you pay off the target account the next debt in line moves up and then becomes the target account.

This process can be slightly confusing, but basically you make one lump-sum payment to Equifax each month and they distribute payments to debtors on your behalf. The largest portion goes to the target account and the rest is divided amongst the remaining debts. When the target account is paid off, the money that was being allocated to that debt is filtered down into the new target debt. So you keep paying the same amount to Equifax over a prolonged amount of time and they simply divvy out the dough.

After a planned amount of time all of your debts get paid off… assuming you don’t accumulate more debt during the process.

Due to state laws, Debt Wise™ is not available in Utah, Nevada or the District of Columbia.

Standout Features:

• Instant access to your credit report
• Reports updated every 30 days
• Email alerts when changes occur on your report