Equifax Review, Pricing, Features with Pros and Cons

In this Equifax review, you'll find more information about its features, pricing, pros and cons and why you should consider using it.
9.1/10 (Expert Score)
Product is rated as #8 in category Identity Theft Protection
9.1Expert Score
Your Credit. Your Identity.

Unlock peace of mind with Equifax , your all-in-one fortress against identity theft. With vigilant 3-bureau credit monitoring, dark web scans, and up to $1 million in identity theft insurance, this software is your ultimate shield in the digital battleground. Add in user-friendly controls and automatic fraud alerts, and you’ve got a robust defense mechanism that keeps you ahead of cyber threats, without the hassle !

Customer support
Value for money
Ease of use
  • Automatic Fraud Alerts
  • A simple and intuitive interface
  • Dark Web Scanning
  • Comprehensive monitoring
  • Insurance coverage
  • Targeted Marketing
  • Not All-Inclusive
  • No Guarantee

In a world where your personal data can be compromised with a single click, safeguarding your identity is no longer optional—it’s a necessity.

Dive into our comprehensive review of Equifax ID Patrol™, a powerhouse in identity theft protection that offers a suite of features designed to keep you one step ahead of cybercriminals.

From 3-bureau credit monitoring to dark web scans, discover how this software could be the guardian angel your digital life needs.

Read further to learn more about Equifax, in our review we will detail its features, pros and cons with our rating, and a conclusion about why you should use it.

Click on “open” if you want to see exactly what we will talk about in the rest of this article.


What is Equifax?

Equifax is an identity theft protection software designed to offer comprehensive monitoring and alert services. The software keeps tabs on your credit files across all three major credit reporting agencies—Equifax, Experian, and TransUnion.

It provides the ability to lock and unlock your Equifax credit report, thereby controlling who can access it. The software also scans the dark web for potential threats to your identity, alerting you if your personal information like Social Security, credit card, and medical ID numbers are found.

Additional features include automatic fraud alerts, lost wallet assistance, and up to $1 million in identity theft insurance. The service is available for a monthly subscription fee of $16.95.

Equifax specifications

Features3-Bureau Credit Monitoring / Automatic Fraud Alerts / Credit Monitoring / Dark Web Monitoring / Fraud Alerts / ID theft guard / Identity Theft Coverage & Restoration / Lost Wallet Assistance / Stolen Funds Replacement / Theft insurance
Best suited forIndividuals, Freelancers, Small businesses, Mid size businesses, Large enterprises
Website languagesEnglish
Website URLVisit official website
Support linkSupport page
Live chatNo
Company addressAtlanta, GA
Year founded1999


Equifax pricing: How much does Equifax cost?

Navigating the maze of identity protection? Equifax offers tailored plans to fit every need and budget.

With pricing ranging from $9.95 to $29.95 per month, you can choose from individual to family coverage, all designed to keep your identity and credit secure!

Pricing rangeFrom $9.95 to $29.95 per month
Pricing typesMonthly subscription
Free planNo
Free trialNo
Money back guaranteeYes
Pricing page linkSee plans

Equifax pricing plans


Equifax Complete™:

    • This plan offers Equifax credit monitoring and identity theft protection features for one adult. It includes identity restoration services and the ability to lock your Equifax credit report.
    • The cost is $9.95 per month, and you can cancel anytime without partial month refunds.

Equifax Complete™ Premier:

    • This plan includes all the features of Equifax Complete™, along with 3-bureau credit features and extra identity theft protection. It also provides up to $1 million in identity theft insurance.
    • The pricing is $19.95 per month, and cancellation is possible at any time without partial month refunds.

Equifax Complete™ Family Plan:

    • Designed for family protection, this plan includes all the features of the Premier plan for two adults. Additionally, it offers Equifax credit monitoring for up to four kids.
    • he cost is $29.95 per month, and you can cancel anytime without partial month refunds.


Equifax features: What can you do with it?

In the ever-evolving landscape of digital threats, Equifax emerges as a comprehensive solution designed to safeguard your identity and financial well-being. Below, we delve into the key features that make this software a robust choice for identity theft protection.

3-Bureau Credit File Monitoring

This feature provides comprehensive monitoring of your credit files from all three major credit reporting agencies: Equifax, Experian, and TransUnion. If there are any key changes, such as new accounts being opened, late payments, or changes in credit limits, you’ll receive alerts.

This enables you to take immediate action and is especially useful for spotting unauthorized activities that could indicate identity theft.

Equifax interface

Credit Report Control

You have the ability to lock and unlock your Equifax credit report. When locked, third parties are generally unable to access your credit report, making it difficult for identity thieves to open new accounts in your name.

However, there are certain exceptions, such as government agencies and companies with which you already have an account, that can still access your report even when it’s locked.

Lost Wallet Assistance

If you lose your wallet, this feature helps you through the process of canceling and reissuing your credit cards and identification cards. This is a valuable service that can save you time and stress, helping you to quickly secure your financial accounts and personal identification.

Stolen Funds Replacement

In the unfortunate event that you lose funds due to identity theft, this feature will help you recover those funds dollar-for-dollar up to $1 million. This includes stolen banking and checking funds and credit/debit card deductibles that are not recovered through your financial institution.

Dark Web Scanning and Alerts

Equifax identity

The software scans thousands of internet sites where consumers’ personal information is suspected of being bought and sold.

It looks for your Social Security Number, passport numbers, bank account numbers, credit/debit card numbers, email addresses, and medical ID numbers. If any of your information is found on these sites, you’ll receive an alert, allowing you to take protective measures.

Automatic Fraud Alerts

If you suspect you’re a victim of fraud, you can activate this feature, which places an initial alert on your credit report.

This alert prompts lenders to take extra verification steps before extending credit in your name. The alert is automatically renewed on an annual basis, so you don’t have to remember to reactivate it.

Identity Theft Insurance

This feature provides up to $1 million in coverage for out-of-pocket expenses that you may incur if your identity is stolen. This can include legal fees, lost wages, and other financial burdens that come with resolving identity theft issues.


Equifax review: Why you should use it?

Equifax =offers a robust set of features aimed at protecting your identity and financial information. With 3-bureau credit file monitoring, you can keep an eye on your credit health across all major credit reporting agencies.

The software also allows you to lock and unlock your Equifax credit report, providing an extra layer of security.

Dark web scanning ensures that your personal information is not being traded on shady websites, and if you ever lose your wallet, the lost wallet assistance feature helps you secure your financial accounts.

Additionally, the software offers up to $1 million in identity theft insurance, covering out-of-pocket expenses you may incur due to identity theft.

Automatic fraud alerts and stolen funds replacement are other notable features that make this software a comprehensive identity theft protection solution.


  • Comprehensive Monitoring: Covers all three major credit bureaus, providing a complete view of your credit health.
  • User-Friendly: Offers a simple and intuitive interface, making it easy to navigate through various features.
  • Dark Web Scanning: Actively scans the dark web for your personal information, offering proactive protection.
  • Insurance Coverage: Provides up to $1 million in identity theft insurance, covering various out-of-pocket expenses.
  • Automatic Fraud Alerts: Automatically renews fraud alerts, reducing the manual work required from your end.


  • Limited Consumer Protections: Unlike credit freezes, the lock feature is not regulated by state law, offering fewer consumer protections.
  • Not All-Inclusive: While it locks your Equifax credit report, it doesn’t prevent access by all third parties, such as existing creditors and government agencies.
  • No Guarantee: The service disclaims all liability and does not guarantee that the lock will function as intended.
  • Targeted Marketing: You may receive targeted marketing offers as part of using the service.


Frequently Asked Questions

Equifax Review, Pricing, Features with Pros and Cons
Equifax Review, Pricing, Features with Pros and Cons

Equifax review
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