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Equifax Credit Watch Gold Review: Credit Report Monitoring |
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| Cheap 3-bureau monitoring, but no scores | |
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Equifax Credit Watch Gold with 3-in-1 Monitoring is the most cost-effective option for monitoring your credit report at all three Bureaus. It also gives you a 3-in-1 credit report (essentially your credit report from each of the three bureaus) when you sign up. Equifax Gold with 3-in-1 Monitoring also gives you unlimited copies of your Equifax credit report. The service does not offer any credit score information and does not give you additional reports from other bureaus, but being able to get an Equifax credit report any time is quite valuable. When combined with the notifications you get upon any change in your credit report from any of the bureaus, you can keep track of what each of your three credit reports say, but you can only get a free copy of your Equifax report any time you want. Equifax Gold with 3-in-1 is most useful for people primarily concerned about identity theft because three bureau monitoring is really the main tool you need to detect identity theft. Being able to get an Equifax credit report any time is also a great feature. However, if you think you might want to know your credit scores or pull an updated credit report from all 3 bureaus, we would recommend you pay the extra $2 per month for TrueCredit 3 Bureau Monitoring or try the Privacy Matters 1-2-3 free trial, both of which offer all three credit scores and all three credit reports whenever you want them, in addition to three bureau monitoring. |
Search our blog archives and frequently asked questions for more information about Credit Report Monitoring Services
| Free Reports & Scores: | 3-bureau report with subscription |
| Free Trial & Monthly Fee: | No free trial; $14.95/mo |
| Reports & Scores Delivered: | One 3-bureau report at initial sign up; unlimited Equifax reports |
| Bureaus Monitored: | All three bureaus |
NextAdvisor Credit Report Blog Headlines
Credit Report Statue of Limitations
The following is an actual reader submitted question:
Q: How long does debt stay on your credit report?
A: According to the FTC's Fair Credit Reporting act, most negative credit information will stay on your credit report for 7.5 years (7 years + 180 days) from the date of delinquency. It can be a bit confusing, but [...]
myFICO turns 9, offers exclusive 30% myFICO discount
Credit report monitoring company myFICO is turning nine years old, and they're giving you a present. Until March 31st you can get 30% off of any of their services including Score Watch, Suze Orman's FICO Kit Platinum, FICO Quarterly Monitoring, and ID Freeze. When our reviewers looked at Score Watch, they found it to be [...]
Does Credit Report Monitoring include more than one credit card?
The following is an actual reader submitted question:
Q: Does Credit Report Monitoring include more than one credit card?
A. Yes, it does. Credit Report Monitoring keeps tabs on any changes to your personal credit report. Your credit report covers your entire credit history, which includes all credit cards, loans and any type of credit account you [...]
How a landlord can run a tenant credit report
The following post in our Reader Question series is an actual user submitted question:
Q: What is the best way to do a credit check on a prospective tenant?
A: Every experienced landlord or property manager knows that it makes good financial sense to run a credit report on prospective tenants. This simple step can save you [...]
Can I get a Free Credit Report without a credit card?
The following post in our Reader Question series is an actual user submitted question:
Q: I don't have a credit or debit card. How can I still get a free credit report?
A: Contrary to popular opinion, you don't need a credit or debit card to get a free credit report. In fact, [...]
The New York Times ponders the plight of the Internet user
In this day and age, even the Fashion & Style section of The New York Times is worried about Internet security issues. This weekend, the Times recounted the experiences of Allan Goldstein, a 60 year old college professor who uses the Internet, but does so a bit nervously. He worries that NYU's online system will [...]
New FTC rules will require explanations for higher interest rates
The Federal Reserve and Federal Trade Commission have issued new rules designed to help inform consumers about the impact of their credit histories on the interest rates they are offered when seeking loans. The rules will require lenders to notify consumers who are offered higher interest rates due to their poor credit histories. Consumers who [...]
Data breaches are like mice, or cockroaches
Why are data breaches like mice or cockroaches? Because for every one that you see, there are hundreds or even thousands that you don't see.
According to the FBI's top Internet crimes investigator, the public only knows about a handful of the thousands of data breaches investigated by the FBI. Because companies that suffer from data [...]
Popular retailers decline personal checks
The Dallas Morning News points out that many popular retailers, including Diesel, True Religion, Ed Hardy, and Lululemon Athletica are no longer accepting personal checks. Gap and Whole Foods are toying with the idea, as well. Since few customers use personal checks these days, some retailers no longer consider the convenience worth the risk of [...]
Data Breach Alert: Social Security numbers printed on postcards
Last week, the Universal American Action Network, a subsidiary of Universal American Insurance, sent 80,000 postcards to Medicare participants throughout the country. On these postcards, printed above the recipients' names, were their Social Security numbers.
The mistake occurred because Social Security numbers are often used as Medicare account numbers. The Universal American Action Network responded by [...]
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