myEquifax

myEquifax

Start your credit journey

53K ratings
400 reviews
Free

Details

Released
April 28, 2025
Updated
October 27, 2026
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About

Access your Equifax credit report and score updates monthly at no cost. Track your progress, set goals, and receive personalized AI-driven insights to improve your credit. Optional paid plans offer enhanced credit monitoring and identity protection.

✓Monthly Equifax credit report updates
✓Free credit score tracking
✓AI-powered credit improvement plan
✓Score goal setting
✓Dark WebScan for identity protection
✓Credit monitoring alerts
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What users say about myEquifax

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What's New in myEquifax

1.13.2

October 27, 2026

This update includes bug fixes and performance improvements.

Charts

Top Free

📉 82-2

Finance

This app dropped -2 positions in Finance chart.

Last updated on November 3, 2026.

User reviews

Cool App

Cool App

Trust

Easy to use any time that I need to unfreeze my credit

Scam DONT FALL FOR IT. 1 star is to many.

I reported it to my bank also. This is a scam to store your credit card info. I used my venmo and it wont allow me to disconnect it. I already cancelled a few minutes after I downloaded. I called and canceled also and still cant take it off my venmo after editing the billing info. You cant delete your billing info and even when you call they dont delete it. The rep got frustrated when I kept saying delete my billing info. They will lie and try to get you to stay. Take my word for it and avoid it like the plague.
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Response from developer

We sincerely hear your concerns regarding your billing details and Venmo authorization, and we understand how alarming this situation feels. We want to emphasize that payment information security and proper account cancellation are top priorities for us. To ensure your account and billing records are fully addressed, please call Customer Care at 1-866-349-5208, from 9am to 9 pm (ET) Monday-Friday, and 9am to 6pm (ET) - Saturday-Sunday. - Titus

Love it

Hard to cancel

Finally works well since IOS 27.

**Reviewed October 2026**

I have unfavorably reviewed this app in the past due to the inability to autofill login information. But this is no longer an issue for me as the app now accepts autofill and logs in smoothly. It's functional and well organized showing me what I'm interested in without overwhelming me with offers.

The free option to freeze and unfreeze is right there on the front page, not hidden behind Equifax's paid options. And my report and details are a tap way, again without being flooded with ads.

If the app would allow me to sign in automatically or even with just a PIN like Transunion's app I'd rate it 5 stars.

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**Reviewed again June of 2026**

Autofill still doesn’t work. Developer says it works but doesn’t. Every other app I use accepts autofill. Very inconvenient. Better to just use the website.

-Original Review-

Functions fine once logged in, but uses a web login that doesn't allow password autofill. AND you have to log in every time you open the app.

I appreciate security, but I should have the option to trust my own phone and not have to remember or copy and past my password every time I open the app.

And don't talk to me about biometrics like your canned response to everyone else. If I unlock my phone using my configured method, then my phone is SECURE. Biometrics alone are less secure as someone can simply hold your phone in front of your face against your will.

Implement password autofill like other apps and stop making excuses.

Allow the app to remember and auto login like other apps or just prompt for PIN/FaceID.
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Response from developer

Thank you for updating your review! We’re thrilled to hear that the recent login and autofill updates have improved your sign-in experience, and that you're enjoying the easy access to credit report details and security freezes. We appreciate your feedback! - Titus

Developer apps

User experience

🐞

Reported Bugs

2 issues

Login button not working

Bug

Greyed out login button

Bug
✨

Requested Features

2 requests

Credit freeze/unfreeze functionality within the app

Feature

Dispute filing capability

Feature

FAQ

What does the myEquifax app do?

The myEquifax app allows you to access your Equifax credit report and credit score updates monthly for free. It also provides tools to track your score progress, set goals, and receive personalized AI-driven insights to help you improve your credit.

What are the key features of the free myEquifax account?

With a free myEquifax account, you can check your Equifax credit report for monthly updates, get monthly one-bureau credit score updates, track your score progress, set a score goal, and use the free AI-powered Optimal Path™ tool for personalized credit improvement steps.

How much does myEquifax cost?

The basic myEquifax account, which provides access to your Equifax credit report and score updates, is free to sign up for and use. There are optional paid plans, such as Equifax Complete™ Premier and Equifax Complete™ Family Plan, which offer enhanced credit monitoring and identity protection features.

What kind of credit scores does myEquifax provide?

The credit scores provided by myEquifax are based on the VantageScore® 3.0 model. For three-bureau VantageScore credit scores, data from Equifax, Experian, and TransUnion are used. Any one-bureau VantageScore uses Equifax data. It's important to note that third parties use many different types of credit scores.

What are the benefits of upgrading to a paid plan?

Upgrading to a paid plan like Equifax Complete™ Premier or Family Plan adds features such as annual access to credit reports and scores from all three bureaus (Equifax, TransUnion, and Experian), credit monitoring alerts, Dark WebScan to detect your personal information on suspicious websites, and identity theft protection services.