myEquifax

Monitor your credit report and credit score with myEquifax, a free app that puts your financial health in your hands. Sign up instantly with no credit card required and start tracking your credit journey today.

Track your credit anytime, anywhere. Check your Equifax credit report for daily updates directly from your phone. Monitoring your credit doesn't damage your credit score—it's a smart financial habit. Watch your one-bureau VantageScore® 3.0 credit score update daily and follow your progress over time as you work toward better credit.

Set goals and get personalized guidance. Define a target credit score and gain actionable insights into your credit profile. The app includes Optimal Path™, a free AI-powered tool that analyzes your credit data and generates a personalized action plan. You'll receive simple, concrete steps to take control of your credit over time, so you're not guessing about what to improve.

Upgrade for comprehensive protection. The free tier covers credit monitoring basics, but myEquifax offers paid plans for those seeking additional security. Equifax Complete™ Premier adds access to three-bureau credit scores from Equifax, Transunion, and Experian, along with identity theft protection and credit monitoring alerts. Dark WebScan continuously monitors suspected fraudulent websites on the dark web and alerts you if your Social Security number, credit card numbers, debit card information, banking details, medical ID, or passport numbers are found. If identity theft occurs, dedicated ID specialists are available to help you recover.

Protect your whole family. Equifax Complete™ Family Plan extends all Premier features to a second adult and lets you lock and monitor the credit files of up to four children, giving you peace of mind across your household.

Understand what you're seeing. The credit scores provided use the VantageScore® 3.0 model. Three-bureau scores combine data from Equifax, Experian, and TransUnion respectively. Keep in mind that third parties often use different credit score models when evaluating your creditworthiness, so your VantageScore may differ from scores they use for lending decisions.

Start your credit journey today with myEquifax. Download the free app, create your account, and take the first step toward understanding and improving your credit.