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#67
equifax1

Equifax

Biggest Customer Gripe: Customer Support (read reviews)

Our Score
3.6
User Score
1.0

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Our Score
3.6
User Score
1.0
Rank this Company

Ratings Breakdown

Price

package monthly price range
$16.95-$29.95

Identity Protection

protection/monitoring system

Credit Monitoring

Equifax, Experian or TransUnion
Yes

Internet Scanning

important ID information
Yes

Legal Protection

Credit Freeze & Fraud Alerts
No

Analytical System

e.g. ID Analytics
No

Identity Recovery

recovery/restoration services

Insurance Quality

identity theft insurance

Insurance Amount

e.g. $1 million, $25,000, $2,500
$1 Million

Insurance Provider

the insurance company
AIG

Report Case Within

e.g. 60 Days, 30 Days, 90 Days
Undisclosed

Lost Wages/Income

e.g. $2,000 or 4 Weeks
Undisclosed

Credit Monitoring

Equifax, Experian or TransUnion
3/3

CISSP Certified

Certification from (ISC)²
No

Antivirus

antivirus software included
No

Experience

total ID theft experience
6 Years

A+

Number of Reviews

User reviews here on BIDTC
5

This Review is maintained by Karl Beckert

Review Last Updated: April 6, 2016

Equifax is one of the three major credit bureaus in the United States and is based out of Atlanta, Georgia. Like the other credit bureaus, Equifax offers consumer subscription services designed to monitor and protect its users’ identities. Equifax offers two main identity theft products with overlapping protection: IDPatrol and Equifax Complete. However, while the two plans combined provide enough features to sufficiently protect your identity, neither plan can be considered comprehensive. In order to receive the same basic level of coverage offered by industry leaders, you would need to pay nearly twice the amount.

Rank Chart
Monthly Price
Identity Protection
Review

#1

$8.99 - $26.99

#2

$9.95-19.95

#3

$12.95 - $19.95

#67
equifax1

$16.95-$29.95

The Good

  • Financial Alerts
  • Lost Wallet Protection
  • $1 Million Identity Theft Insurance

Equifax IDPatrol provides basic features that will help you take control of your credit report and online presence in general. In addition to a $1 million identity theft insurance policy and three-bureau credit monitoring, IDPatrol offers the following unique identity theft protection features for $16.95 a month:

  • Automatic Fraud Alerts: Sends alerts every 90 days to each of the major credit monitoring bureaus any time someone attempts to access your credit report; if the request is suspicious, you can ask the bureaus to deny the request.
  • Equifax WebDetect: Proactively scans underground internet trading sites for instances of your Social Security number and up to 10 credit or debit card numbers you provide
  • ID Theft Resolution Specialist: 24/7 support to help walk you through recovering your stolen identity
  • Identity Theft Insurance: Up to $1 million towards resolving your identity dispute (covers legal fees, etc.)

Equifax Complete, meanwhile, offers both individual ($19.95 a month) and family ($29.95 a month) options. Like IDPatrol, Equifax Complete offers three-bureau credit monitoring, automatic fraud alerts, and a $1 million identity theft insurance policy.

Equifax also provides its Equifax Complete Advantage plan for $17.95 a month, which offers a less comprehensive version of its Complete plan (financial alerts for two accounts, and $25,000 identity theft insurance) for a less expensive monthly price.

The Equifax Complete family plan covers two adults and provides credit file monitoring services for up to four dependents. And while Equifax’s identity theft protection are not easily navigable online, and conflicting information still remains on the company’s website, Equfax’s customer support (particularly the live chat) can be extremely helpful. Customer service representatives can intelligently answer consumer questions, and provide helpful links to inform customers about product details.

The Bad

  • Limited Recovery Services
  • Limited Insurance Information
  • No Antivirus Software Included

One major problem with Equifax’s identity theft protection services is the number of products customers will need to purchase just to receive basic coverage. Customers could potentially spend nearly $50.00 each month on basic identity theft protection services, while the top identity theft protection companies offer comparable services for a fraction of that price.

Not only do these products overlap in all the wrong places, but customers are also required to reach out to a customer service representative just to find information on them. And what information that is provided is sparse at best. Customers do not gain full access to product details unless they subscribe, so details on lost wages coverage, insurance exclusions, and other crucial information is not readily available. Equifax offers nothing in terms of an analytical system that tracks your information in realtime, or antivirus protection that prevents your computer from being hacked by malware.

Want to know which identity theft companies are top rated? Click Here

The Bottom Line

While Equifax provides adequate credit report monitoring and identity theft protection solutions, its scattering of products with different and non-cumulating features prevent make Equifax difficult to recommend. Customer service representatives are helpful, but customers should not have to rely on customer service to know which products are currently being offered, how much they cost, and what coverage/exclusions are included. The lack of online transparency for potential customers who have not yet signed up should encourage those looking for simple but comprehensive identity theft protection services to search elsewhere.

View Top Rated Companies

Equifax Complete is the only identity protection product which is offered by Equifax.  The package includes credit monitoring, reports, scores and alerts for all three major credit bureaus, Social Security Number monitoring and alerts and assistance by a recovery specialist as the primary features.  This plan is $19.95/month.  

“1.  Proof of Evidence

We reserve the right to request that You provide corroborating evidence with respect to any incident of Identity Theft of which We (Equifax) are notified.

Why it’s important:

The evidence that Equifax asks their identity theft victims to provide includes: law enforcement reports, Federal Trade Commission’s affidavit, government agency reports and any other related evidence.  If the consumer fails to provide any of the needed evidence, Equifax has reserved the right not to provide their customer with their product’s benefits or features that is normally included in the product ordered.

“2.  Identity Theft Insurance

Equifax’s $1 million identity theft insurance is provided by Chartis that has a $0 deductible.  Insurance expenses that are covered include:

  • Lost wages in the need of taking off work to restore identity (up to $1,000 per week for a maximum of four weeks)
  • Attorney fees
  • Application fees for re-filing loans
  • Mailing and notary costs
  • Long-distance phone calls
  • Lost monies exclusive of interest and fees

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Our Score
3.6
User Score
1.0
Rank this Company

Ratings Breakdown

Price

package monthly price range
$16.95-$29.95

Identity Protection

protection/monitoring system

Credit Monitoring

Equifax, Experian or TransUnion
Yes

Internet Scanning

important ID information
Yes

Legal Protection

Credit Freeze & Fraud Alerts
No

Analytical System

e.g. ID Analytics
No

Identity Recovery

recovery/restoration services

Insurance Quality

identity theft insurance

Insurance Amount

e.g. $1 million, $25,000, $2,500
$1 Million

Insurance Provider

the insurance company
AIG

Report Case Within

e.g. 60 Days, 30 Days, 90 Days
Undisclosed

Lost Wages/Income

e.g. $2,000 or 4 Weeks
Undisclosed

Credit Monitoring

Equifax, Experian or TransUnion
3/3

CISSP Certified

Certification from (ISC)²
No

Antivirus

antivirus software included
No

Experience

total ID theft experience
6 Years

A+

Number of Reviews

User reviews here on BIDTC
5
Our Score
7.2
User Score
8.1
Rank this Company

Ratings Breakdown

Price

package monthly price range
$8.99 - $26.99

Identity Protection

protection/monitoring system

Credit Monitoring

Equifax, Experian or TransUnion
Yes

Internet Scanning

important ID information
Yes

Legal Protection

Credit Freeze & Fraud Alerts
Yes

Analytical System

e.g. ID Analytics
Yes

Identity Recovery

recovery/restoration services

Insurance Quality

identity theft insurance

Insurance Amount

e.g. $1 million, $25,000, $2,500
$1 Million

Insurance Provider

the insurance company
State National

Report Case Within

e.g. 60 Days, 30 Days, 90 Days
90 Days

Lost Wages/Income

e.g. $2,000 or 4 Weeks
$25,000

Credit Monitoring

Equifax, Experian or TransUnion
3/3

CISSP Certified

Certification from (ISC)²
Yes

Antivirus

antivirus software included
No

Experience

total ID theft experience
12 Years

A-

Number of Reviews

User reviews here on BIDTC
864