Discover Equifax Gold Credit Monitoring benefits:

• 3 in 1 Credit Report - See Your Equifax, Experian, and TransUnion Credit Reports.  (See Sample) It's easy to read and viewable instantly online.
• Real FICO Credit Score - Your actual FICO Credit Score.  (Not estimated Credit Scores provided by most Credit Report vendors)
• Credit Monitoring - Your 3-in-1 Monitoring makes it easy for you to monitor all 3 of your nationwide credit reports by alerting you within 24 hours of key changes:

• Toll-free access to Fraud and Credit Education Specialists - Available to assist with any your concerns.

• Credit Analyzer and Online Tools  - Credit tips and tools to help you understand your credit rating:

• Identity Theft Protection Insurance - Up to $25K in case your ID is stolen.

 

Compare Equifax With Other Vendors Below - Only Equifax provides Real FICO Credit Scores

 

Features					Best Deal
Free Trial Days	30	None	30	7	Tie - Both Eqauifax and Experian offer 30 days free tiran an cancel anytime..
True "FICO" Credit Scores	Yes	No	No	No	Equifax
Number of Credit Reports	3	3	1 - Experian	3	Tie
Identity Theft Coverage	25K	25K	25K	25K	Tie
Cost Per Month	$14.99	$14.99	$12.99	$19.99	Experian, but no FICO Credit Scores make it of limited value.
Credit Monitoring Agencies	3	3	3	3	Tie
Ease of Use	Great	Great	Good	Good	Equifax or TransUnion   have the easiest to use websites.
Cancel Anytime?	Yes	Yes	Yes	Yes	Tie
Summary Review	Great for 3 Credit Reports and Free FICO Credit Score	Good, but no official FICO Scores make Equifax better.	No FICO Scores, only estimated Credit Scores.	Most expensive package, only 7 day free trial, no real FICO Score.	Equifax

Our Take:  We think Equifax Gold Credit Monitoring Service is a great deal because you get Free 3-in-1 Credit Report and FICO Score.  (All 3 Credit Agencies - Experian, Equifax, and Trans Union)  Most Credit Monitoring products only give you a one agency Credit Report.  Another great benefit is that you get great tools that help you can do to improve your Credit Score, personalized just for your unique credit situation.  You also get your actual FICO Credit Score, most Credit Report Vendors only give you your estimated Credit Scores - which can differ from your real FICO Scores that most lenders use.

Equifax Gold Credit Monitoring Service is a great deal because you get the first 30 days free.  You can cancel within the 30 days an not be charged.  After 30 days you cost is $14.95 /Month for all the great features including Unlimited Equifax Credit Reports, 3 Credit Agency Monitoring, and ID Theft Insurance.

 

The first 30 days free, and you get a toll free number for any questions about the service.  You can also cancel anytime without any further obligations, so there is no risk in the case that you are not happy with the service

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Free Trial Days - Number of days of free access before monthly fee gets charged

Number of Credit Reports - There are three main Credit Reporting agencies, this tells you how many Credit Reports you will see

Number of Credit Scores - Since there are three Credit Agencies, you also have unique Credit Scores from each Credit Reporting agency.

True "FICO" Credit Scores - FICO Credit Scores are used by 90% of all lenders and was developed by the Fair Isaac Corporation.  You can only get your FICO Credit Scores from either MyFico.com or Equifax.  All other Credit Scores are only estimates of your actual FICO Scores.

Identity Theft Coverage - This is how much insurance protection you will receive in case you become a victim of ID theft while using Credit Monitoring service.

Unlimited Credit Reports and Scores Monthly - Some Credit Monitoring Agencies allow you to run your Credit Report as much as you want to.

Credit Monitoring - This is service which looks at your Credit Report every business day and alerts you of anything new that may have been added or changed.  For example new credit cards being opened, late pays, etc.

Credit Monitoring Agencies - Since there are three Credit Agencies, it is best to get credit monitoring that covers all three agencies.  This will alert if anything is affecting your Credit Report