Equifax Complete review

Equifax sells its own monitoring in three steps. Equifax Complete, at $9.95 a month, watches your Equifax credit report and VantageScore with custom alerts, lets you lock your Equifax report, renews a fraud alert automatically each year and adds up to $500,000 in identity theft insurance with dedicated ID restoration specialists. Complete Premier, at $19.95 a month, is the one to compare with the rest of this list: it monitors your Equifax, Experian and TransUnion reports, gives annual three-bureau scores and reports, runs Dark WebScan for Social Security, card, bank, medical ID and passport numbers, and raises insurance to $2 million. The Family Plan at $29.95 adds a second adult and Equifax monitoring and locking for up to four children. You can cancel any time, but there are no partial month refunds. Scores are VantageScore 3.0, which many lenders do not use, so treat them as a guide rather than the number a lender will see.

Who it is for

People who want to lock their Equifax file and get bureau alerts at a low monthly price.

Price

Equifax Complete $9.95 per month; Premier $19.95; Family $29.95.

Equifax Complete™ Included ID Theft Protection Features $9.95 / month
Quoted from the vendor pricing page on November 8, 2026.

Key features

• Equifax credit report monitoring with custom alerts on Equifax Complete
• Equifax credit report lock and automatic yearly fraud alert renewal
• Three-bureau credit report monitoring on Complete Premier
• Dark WebScan alerts on Premier
• Up to $500,000 identity theft insurance, or up to $2 million on Premier

Strengths and weaknesses

• Strength: Low entry price for bureau-level alerts
• Strength: Equifax lock and automatic fraud alerts included
• Strength: Cancel at any time
• Weakness: The $9.95 plan watches Equifax only
• Weakness: Scores are VantageScore, not FICO
• Weakness: No partial month refunds

Key facts

• Complete: $9.95 per month
• Complete Premier: $19.95 per month
• Family Plan: $29.95 per month, 2 adults and up to 4 kids
• Score model: VantageScore 3.0
• Insurance: Up to $500K, $2M on Premier

Where it ranks

Equifax Complete is No. 8 in our Best Credit Monitoring Services verdict.