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Overall Score

LAST UPDATED: August 4th, 2022

Equifax is a credit monitoring agency that was founded in 1899 in Atlanta, Georgia. The privately held company offers an identity protection Lock & Alert service for both individuals.

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The Good

  • Identity Theft Prevention
  • Free Service

Identity Theft Prevention

Equifax works to catch identity theft before it even happens. The company provides triple-bureau credit monitoring, internet scanning, social security number monitoring, fraud alerts, and credit freezes.

Free Service

Equifax's Lock & Alert service is a free service that allows customers to easily lock and unlock their Equifax credit report. By locking their credit report, customers can have additional protection against identity theft criminals. 


The Bad

  • Limited Recovery Services
  • No Antivirus Software

Limited Recovery Services

While Equifax does offer assistance with financial identity recovery, there are a number of other restoration services that the company does not provide. For example, Equifax cannot help with medical, criminal, or tax identity recovery.

No Antivirus Software

Equifax does not provide its customers with antivirus software to protect sensitive data on their computers. 


The Bottom Line

Equifax offers a free identity protection Lock & Alert service as well as several other services. However, Equifax's recovery services are limited and the company does not offer antivirus software. 

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60 Reviews

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Anita Clearwater Beach, FL

The problem I have with equinox is trying to get a hold of someone you can understand as everyone is in India somewhere . This makes me very nervous that all these people on the other side of the world has my ss and personal information.

8 years ago


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World Traveler Vienna, VA

Not reliable in protecting ID. I had a few notices that said data was breached in their system and some personal info may have been exposed.

7 months ago