Equifax ID Patrol, one of the three biggest customer credit reporting organizations in the U.S., offers an product called Equifax ID Patrol to help shield you from fraud and identity theft.

The Positives

When you have an Equifax ID Patrol plan through Equifax, the administration screens your Equifax, Experian and TransUnion credit reports and cautions you when it identifies changes to your data. If there should be an occurrence of suspicious action, Equifax ID Patrol can without much of a stretch add a fraud alarm with your creditors to fight identity theft. With these alerts, lenders must go through an extra stride before they can extend approve any applications and the instances of identity fraud will be drastically reduced. In the event that somebody has stolen your identity, this feature can assist in minimizing any further harm or to avoid them completely.

Equifax ID Patrol helps recuperate your identity and monetary damages through various systems to help restore your credit and repays you for any costs associated with the breach with their $1 million dollar identity theft protection service.

Moreover, Equifax ID Patrol has telephone 24/7 support. In the event that you have youngsters, you can buy a family plan to secure the security and prevent the identity theft of your relatives and loved ones.

The Negatives

Equifax doesn’t allow consumers to have a trial period unless there is a special offer and we’ve experienced consumers having an extremely difficult time getting hold of a live agent through their customer service number. Furthermore, not only does Equifax’s Identity Patrol not include credit scores, but they are one of the higher priced companies for the basic identity theft protection packages.


Equifax ID Patrol® Price: $16.95/month

• 24/7 access to helpful Identity Theft Resolution Specialists
• One 3-in-1 Credit Report and unlimited access to your Equifax Credit Report™
• Comprehensive credit file monitoring and automated alerts of key changes to your Equifax, Experian, and TransUnion credit files
• Access to the Automatic Fraud Alerts feature

Be in Control

• Ability to lock and unlock your Equifax credit file in real time, so you decide who sees it and when
• Up to $1,000,000 identity theft insurance with no deductible (certain limitations and exclusions apply)

Contract Information

The credit scores provided under the offers described herein make use of the Equifax Credit Score™, which is a proprietary credit model developed by Equifax. The 3-bureau scores are each based on the Equifax Credit Score model but calculated using the information in your Equifax, Experian and TransUnion credit files. The Equifax Credit Score is intended for your own educational use. It is also commercially available to lenders along with numerous other credit scores and models in the marketplace. Please keep in mind lenders are likely to use a different score when evaluating your creditworthiness. Moreover, lenders may take into consideration items other than your credit score or information found in your credit file, such as your income.

FICO® is a trademark of the Fair Isaac Corporation.

The Automatic Fraud Alerts feature is made available to consumers by Equifax Information Services LLC and fulfilled on its behalf by Equifax Consumer Services LLC.

Debt Wise is not available to residents of Nevada, Utah or the District of Columbia.

The rate information on these pages is powered by Informa Research Services, Inc. © 2011. This information has been obtained from various financial institutions, and Informa Research Services cannot guarantee its accuracy. The information includes financial product data that was in the Informa Research Services database at the time of publication, and may not reflect all of the products available in your region. Before acting on the information shown on this page, contact the financial institution to verify the accuracy of the data. When contacting financial institutions, always mention Equifax to ensure you receive the preferred Internet rate. Contact links@informars.com to have your rates included in this chart.

WebDetect™ (an included feature) attempts to scan Internet sites where consumers’ personal information is suspected of being bought and sold, and periodically adds new sites to those it searches. However, the Internet addresses of these suspected Internet trading sites are not published and frequently change, so there is no guarantee that WebDetect is able to locate and search every possible Internet site where consumers’ personal information is at risk of being traded.

Privacy monitoring, powered by Reputation.com, Inc., attempts to search Internet sites to find and, if purchased by the consumer, remove the consumer’s personal information from the Internet. However, there is no guarantee that Privacy Monitoring is able to locate and search every possible internet site where consumers’ personal information is being displayed. In addition, certain data companies may not honor requests sent regarding removal and data cannot be removed from those sites.

Equifax Credit Report Control™ is only available while you have a current subscription to an eligible Equifax monitoring product. Locking your credit file with Equifax Credit Report Control will prevent access to your Equifax credit file by certain third parties, such as credit grantors or other companies and agencies. Credit Report Control will not prevent access to your credit file at any other credit reporting agency, and will not prevent access to your Equifax credit file by companies like Equifax Consumer Services, LLC. which provide you with access to your credit report or credit score or monitor your credit file; Federal, state and local government agencies; companies reviewing your application for employment; companies that have a current account or relationship with you, and collection agencies acting on behalf of those whom you owe; for fraud detection and prevention purposes; and companies that wish to make pre-approved offers of credit or insurance to you. To opt out of such pre-approved offers, visit www.optoutprescreen.com.

Score Estimator results are provided for educational purposes only and are intended to show the impact that certain hypothetical actions could have on your credit score, assuming that all other variables remain constant. This is not a guarantee that your score will change as shown in this Score Estimator. Your actual score calculation may change frequently, even daily, as the information in your credit file(s) changes.

Identity theft insurance underwritten by subsidiaries or affiliates of American International Group, Inc. The description herein is a summary and intended for informational purposes only and does not includes all terms, conditions and exclusions of the policies described. Please refer to the Summary of Benefits and actual policies for terms, conditions, and exclusions of coverage. Coverage may not be available in all jurisdictions.

Equifax’s credit monitoring products are protected by US Patent 7,028,052.

The Verdict

Unfortunately, Equifax does not have a trial offer at this point in time. However, if you want a data monitoring service solely from a data furnisher reputable for being amongst the 3-credit reporting bureaus in the US, this may be your only sure bet.

Get started with Equifax ID Patrol today.

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Equifax ID Patrol

Equifax ID Patrol



    Identity Protection


      Recovery Assistance




          Help & Support



            • 24/7 access to helpful Identity Theft Resolution Specialists
            • 3-in-1 Credit Report
            • Automatic Fraud Alerts
            • $1,000,000 Identity Theft Insurance
            • lock and unlock Equifax Credit File in Realtime


            • No Trial Period
            • Price Point Moderate