Overview

Equifax Basic™ gives individual consumers online access to their Equifax credit score (monthly updates), a statutory credit report showing the data Equifax holds about them, and basic identity-protection alerts and guidance. The product is positioned as an entry-level offering that helps users spot errors, monitor changes to their credit file, and receive tailored hints and tips to manage credit health. It is aimed at people who want a straightforward, low-friction way to view their credit information and receive occasional alerts without paid daily updates.

Features and Capabilities

• Score & Report: Monthly Equifax credit score and statutory credit report (shows data Equifax holds). The score uses Equifax’s 0–1000 scale and the report uses a colour/traffic-light format to highlight areas.
• Alerts: Email alerts for significant changes detected on your credit report and selected identity-monitoring detections.
• Identity monitoring tools: Basic protection services such as WebDetect and SocialScan to scan fraudster marketplaces and public social data for exposed information.
• Historical access: Access to historical credit reports so users can review past snapshots of their file.
• Hints & guidance: Actionable, personalised hints and tips within the product to help users understand what affects their score and how to improve it.
• Customer support: Access to a customer care/team for queries about the service and reports.
• Family sharing/limited multi-user: Some Equifax consumer plans (including Basic comparisons on the site) mention options for up to three users in related plans — the Basic tier is entry-level and focuses on single/individual access.
• Free trial / pricing model: Equifax commonly offers an initial trial period (e.g., 30 days free) followed by a monthly subscription for more advanced/upgraded tiers; Basic provides the monthly score and statutory report without daily premium updates.