Equifax

• Equifax
• Equifax Credit Services
• Equifax Freeze Line

Equifax Inc., formerly known as Retail Credit Company, was established in 1899 by Cator and Guy Woolford in Atlanta, Georgia. Initially, the company focused on providing credit reports to insurance companies when customers applied for life, auto, fire, and medical insurance. As the business grew, Equifax began to offer commercial credit reports in the United States, Canada, and the United Kingdom. In October 2010, Equifax acquired Anakim. The following year, they acquired authority. In 2016, they acquired Verda, the largest Australian credit reporting agency. Then, in July 2020, Equifax acquired Ansonia and entered the commercial payment technology solutions market. Today, Equifax mainly focuses on the business-to-business sector by selling consumer credit and insurance reports to businesses in a variety of industries. Such businesses include insurance firms, healthcare providers, utilities, government agencies, banks, credit unions, and finance companies. A consumer credit report includes information such as the individual’s personal credit and payment history. This information is used by credit grantors to decide what sort of products or services to offer customers and on what terms. Those with better credit scores, higher payment histories, and less debt will likely receive lower interest rates on loans and a higher line of credit than those with poorer credit scores. The Equifax Complete Family Plan is an affordable and comprehensive solution, costing $29.95 per month. It includes Credit Bureau Reporting from the three major credit bureaus; credit monitoring features such as credit change alerts, account freeze help, triple bureau credit monitoring, access to FICO credit score, monthly credit reporting frequency, and identity protection. Equifax Complete Premier is a higher-tier product, offering even more features for $4.95 for the first 30 days and $19.95 per month thereafter. It includes annual access to your 3-bureau credit report and VantageScore credit scores, daily access to your Equifax credit report and 1-bureau VantageScore credit score, 3-bureau credit monitoring with email notifications of key changes to your credit reports, WebScan notifications when your personal information, such as Social Security Number, credit/debit card or bank account numbers are found on fraudulent Internet trading sites, automatic fraud alerts, which encourages potential lenders to take extra steps to verify your identity before extending credit, plus blocked inquiry alerts and Equifax credit report lock. Equifax Complete Premier also includes Identity Restoration to help restore your identity should you become a victim of identity theft, plus a dedicated Identity Restoration Specialist to work on your behalf, up to $1,000,000 of identity theft insurance coverage for certain out-of-pocket expenses resulting from identity theft, Lost Wallet Assistance if your wallet is lost or stolen, and one-stop assistance in canceling and reissuing credit, debit, and personal identification cards. Equifax offers a wide variety of products, allowing customers to choose a plan that fits their needs and budgets, ensuring that they are well-protected and their identities remain secure.

Get together the following account information:

• First Name
• Last Name
• Phone Number
• Email Address
• Username
• Password
• Billing Address
• City
• State/Province/Region
• ZIP/Postal Code
• Country
• Reason for Cancellation
• Last 4 Digits of Card
• Date of Last Charge
• Amount of Last Charge
• Social Security Number

Follow these steps:

1. Contact customer service at 866-640-2273
2. Advise the rep that you need to cancel
3. Give the rep your account info
4. Request a refund, it never hurts to ask
5. Be sure to get a confirmation number or email for the cancellation
6. Be sure to keep the email and/or confirmation info about the cancellation