Equifax Review – 24/7 Credit Monitoring

by Garen Arnold 8/07/09

Equifax Review - What Customers Are Saying?
Equifax Review - Handling Problems

What Can Equifax Do For You?

You probably know that Equifax is one of the three companies that track your credit and allow it to be seen by others considering you for a loan or other business negotiations. The question is not what they do with your credit, but what else they can do for you.

It turns out Equifax is more than just a credit reporting agency. They are now offering valuable services that help you remain knowledgeable about your current credit standing, monitor your account against fraud, and even pay down your debt if you have flaws weighing down your credit report.

Equifax Review......many services

Equifax More Than Just Credit Monitoring

Many people sign up for Equifax services simply to get their FICO score. While everyone is entitled to look at their credit report from all three reporting agencies once a year free of charge, the FICO score is not included in that report. You usually have to pay a hefty price through services that do provide this score.

Equifax has very affordable programs that will give you access to this score as well as a variety of other services. While everyone should know their score at all times, you should be closely monitoring your credit report more than once a year as well.

If someone does take out a line of credit or somehow use your name, it is too late to discover it a year later. By then, substantial damage can be done and it is near impossible to dig yourself out of a hole like that and prove it was not you.

Credit monitoring is the simple, affordable answer to this problem. Even if you don’t have flawless credit, you need to be monitoring your report if you want to keep reasonably good credit. Equifax is worth checking out if you have some debt on your record as well. They will help you pay off as much of it as possible, erasing the negatives one by one to restore your good name. The old days where a man’s word meant everything are not exactly gone. Your credit rating has just replaced your name, and that is something worth protecting.

More On The Equfax Review

What are Consumers Saying About Equifax?

Consumers who use Equifax are concerned with the protection of their most valued private information: their credit history. They want to make sure that their report is monitored all year long and that any suspicious activity will be dealt with right away. Since consumers are only allowed one free credit report from each of the three credit bureaus a year, signing up for a program like ID Patrol from Equifax is an affordable option that saves them time and money.

There are many different businesses trying to offer services very similar to what this company offers, but Equifax has one huge advantage over the competition. Since they are one of the three credit reporting agencies in the country, they have access to and control over every consumer’s credit report. If anyone is going to know that a new credit card has been taken out in your name or that someone has filed a negative debt to your report, it is Equifax!

Also, since they are a credit reporting agency they are able to offer something that is extremely hard to find with other services: unlimited access to your credit report all year long. They automatically send their customers the one free copy they are entitled to each year from the other two credit reporting agencies, but their own version of the credit report is available all the time, without additional charge.

Customers are also reporting that Equifax is fast about reporting back any suspicious activities, new credit accounts taken out, or other vital information that may change on a credit report during the year. Fast notification of this type of information is essential to this type of service because if something fraudulent is occurring the consumer must take immediate action to keep their name and credit report in good standing.

Also, consumers are pleased with the dispute process, which allows them to easily dispute anything on their credit report that they believe is incorrect. This keeps their report accurate and in the best condition possible when they do need a credit check to obtain financing, apply for a job, or otherwise live their life.

ID Patrol also gets a lot of great reviews from consumers who feel completely secure knowing that their credit is locked and cannot be used by anyone else for any reason. They can always unlock it temporarily when they want to give access to someone else, but there is tremendous security in knowing it is locked at all other times.

Equifax Review....Handling Problems

As with any large business, there are some consumers who have lodged complaints with the Better Business Bureau about this company. The good thing is that they have dealt with every single one of them and most of the problems have been solved to customer satisfaction with the active participation of Equifax.