Overview

Equifax Credit Report & Score is a consumer credit-monitoring service that provides an Equifax credit score (0–1000), an enhanced credit report, daily or monthly updates depending on plan, personalised tips to improve credit, and identity-protection features such as WebDetect and SocialScan. The product is available as a free basic tier and paid subscriptions (trial then monthly fee) with additional features like daily score updates, alerts and rewards.

Features and Capabilities

• Score & Report Access: Full Equifax credit score (0–1000) and enhanced statutory credit report available via myEquifax member area; score frequency varies by plan (daily or monthly).
• Monitoring & Alerts: Daily (or monthly for Basic) credit alerts and a score tracker to visualise changes over time.
• Identity Protection: WebDetect and SocialScan monitor for personal data exposures and suspicious activity to help prevent identity theft.
• Hints & Improvement Tips: Actionable, personalised hints and a traffic-light system highlight profile areas affecting creditworthiness.
• Plans & Pricing: Free Basic tier (monthly refresh), paid Credit Report & Score and Family & Friends plans with 30-day free trial then monthly fees; paid tiers include daily updates, identity tools and rewards.
• Rewards & Extras: Selected paid plans include a digital rewards card (tastecard) and historical report access for the main account holder.
• Statutory Report Access: Users can also obtain a statutory credit report (free by law) and can request postal copies; disputes handled through Equifax processes.