Equifax Credit Watch
Equifax takes providing credit report help to the next level with an incredible service called Equifax Credit Watch. Equifax Credit Watch comes in two basic varieties (Gold and Silver), both of which are designed to protect you from credit card fraud and identity theft.
Both the Gold and Silver versions of Equifax Credit Watch will provide you the following features:
Monthly "No News" Messages
Receiving notifications when something happens is one thing. But if you never receive any notifications at all, you might start to think there's a problem with the credit report help you're supposed to be getting. To keep you from worrying, Equifax Credit Watch sends out monthly notices whenever nothing happens in your credit file. That way, you know Equifax is still staying abreast of things.
Email Alerts
Be notified as soon as possible whenever there's been a change to your credit file. This type of credit report help is invaluable as it can alert you to potential credit card fraud and identity theft by allowing you to verify that every change to your credit file was caused by something that you actually did (or, as the case may be, didn't do - like a pay a bill on time).
Equifax Credit Report
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Equifax Credit Watch Silver - 1 free Equifax Credit Report plus a discounted rate on future Equifax Credit Reports
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Equifax Credit Watch Gold - unlimited, ongoing access to your Equifax Credit Report
Identity Fraud Expense Coverage
With this insurance product, Equifax Credit Bureau will reimburse identity theft victims for "certain expenses" up to a certain amount (see below) with absolutely no deductible whatsoever.
Those "certain" coverable expenses include:
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lost wages
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loan application fees
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notary fees and certified mailing costs for delivering fraud-related affidavits
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reimbursement for long distance phone calls regarding reporting ID theft and reestablishing identity
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attorney fees for defending suits filed erroneously by creditors and collection agencies
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attorney fees for removing civil or criminal judgments and challenging information contained in a credit report
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Equifax Credit Watch Silver - up to $2,500 coverage
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Equifax Credit Watch Gold - up to $20,000 coverage
Online Disputes
Whichever version of Equifax Credit Watch you get, you'll be able to file a dispute online, through the Equifax Credit Bureau website, and Equifax will initiate an investigation immediately.
Customer Support
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Equifax Credit Watch Silver - 8am-3pm, 7 days a week
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Equifax Credit Watch Gold - toll-free, 24/7
Costs
Equifax Credit Watch Silver costs $6.95 per month or $69.95 annually.
Equifax Credit Watch Gold cost $9.95 per month or $99.95 annually.
An Equifax Credit Watch Gold Family Program is also available for extending your protection to up to 10 different members of your family.
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