Equifax with Score Power Credit Report Service Review
| Credit Reports & Scores | Free Trial & Monthly Fee | Bureaus Monitored | Important | Rating |
|---|---|---|---|---|
| No | No free trial;$29.95/mo | All three bureaus | Accurate and user-friendly 3-in-1 Credit Report; no free trial, available online for 30 days | 
|
The 3 major credit bureaus in the industry are Equifax, Experian, and TransUnion, with Equifax being the longest-standing amongst them. Experian and TransUnion have just a little over 30 years in the business. Equifax, on the other hand, has been active in the credit industry since 1899. With a lot of history on its belt and the help of computer technology and the internet today, Equifax has certainly developed several beneficial tools for credit users to manage their credit usage more efficiently.
One great tool that Equifax boasts of is that it offers credit users personal credit reports, on top of 3-in-1 reports that carry significant facts and figures posted by the other 2 bureaus as well. Access to credit reports typically cost credit users money. However, being one of the major bureaus in the business, Equifax is mandated by law to give credit users a free copy of their credit report every year. And Equifax is extremely diligent about this as well.
Equifax Credit Watch Gold with 3-in-1 Monitoring is yet another extremely beneficial product Equifax is offering its subscribers. The great thing about this is that the product itself is very cost effective, given the fact that it already offers vigilant monitoring of all of your credit reports developed and issued by the 3 major bureaus. This is what you get right off the bat upon signing that subscription offer. And since this is Equifax you are doing business with, the package itself gives you all the copies you would want of your Equifax credit report because access is unlimited here.
These 3-in-1 credit report monitoring service offered by Equifax is extremely useful in the effective prevention of credit fraud as well as identity theft. There are inevitable differences in the figures plotted across the 3 credit reports, which would work towards the advantage of identity thieves since this gives them a bit of leeway to conduct their illegal activities. But with 3-bureau monitoring, you are able to determine faster whether or not there is reason to worry about your credit reports. The only downside here is that Equifax does not really provide credit score information, nor does it provide supplemental reports from the other minor bureaus in the industry. Thus, you might want to combine Equifax's 3-in-1 credit report monitoring service with another service that provides information on credit scores. This way, you can keep a close eye on the goings-on in your credit file.
What is even better about Equifax is that it offers a feature that allows the credit user to lock his or her credit report. By restricting access to credit reports, the risk of falling victim to credit fraud, identity theft, and other related crimes becomes significantly lower. Of course, you should remember to unlock your credit report if you have plans of applying for new credit cards, loans, or mortgages. This way, your prospective lenders would still be able to determine your qualifications for whatever you intend to apply for.
Equifax really gives much value for your money. If you want a straightforward approach to accessing your credit report, then Equifax is the best choice.
