Equifax Logo
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57 User Reviews

7.5

Overall Score

LAST UPDATED: July 2nd, 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. 

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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. 

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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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Star Rating

4.1

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57 Reviews

Review Breakdown

5 grade

60%

4 grade

16%

3 grade

9%

2 grade

4%

1 grade

12%

Sentiment Criteria

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Review Source

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K.M. P. Charlotte, NC

I appreciated that they offer Both $1 Million in ID Theft Insurance and $1 Million in Stolen Funds Replacement. They also have the Automatically Recurring Triple-Bureau Fraud Alerts and Internet Monitoring. However, some functions are unusable due to antiquated website. They also don't have a mobile app or social media monitoring.

2 months ago

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Samuel Greenfield Middle River, MD

pretty strieght shooter of a company. when it comes to protection gxots to speed. block everything or nothing lol. if you play hands off your finances and are scared of the online boogy man. also not a teckey then youl want the first one. just think its a bit much for folks like me.

4 months ago

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Terrance L Mardis Raleigh, NC

Shows 1 credit score for free but you have to pay to see the others. But you can lock your account that is a plus.

1 month ago

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Jon Scoresby Saratoga Springs, UT

I had my identity stolen. I worked with equifax to get things cleared up and it was pretty good for the most part. I pay a little for them to monitor my credit and i think it's a good deal. I do wonder if something were to happen if the monitoring would be enough though.

2 years ago

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Crystal Connell Denver, CO

Provided good updates and let me know if things where suspicious. I didn’t use long, but I did appreciate the service

2 weeks ago