myEquifax vs Substrack

Get your Equifax credit report & credit score* updates at no cost with a free myEquifax™ account. It’s quick and easy to get started for free today and begin your credit journey. No credit card required to sign up. • Check your Equifax credit report for daily updates, anywhere you want. • Checking your credit doesn’t hurt your credit score. • Get daily one-bureau credit score updates and track your score progress over time. • Set a score goal and gain valuable insights on your credit journey. • Optimal Path™ — Opt in to use a free AI-powered tool that analyzes your credit profile and provides a personalized action plan with simple steps you can take to improve your credit over time. Upgrade to a paid plan to add Credit Monitoring and Identity Protection Features: Equifax Complete™ Premier — Get annual access to your report & credit score from Equifax, Transunion, and Experian*, along with credit monitoring and identity theft protection features including: • Dark WebScan: Receive alerts if we find your Social Security, credit card, debit card, banking, medical ID, and passport numbers on suspected fraudulent websites on the dark web** • Identity theft protection services: Get support from our dedicated ID specialists to help you recover from identity theft • Credit monitoring alerts: Receive notifications of key changes to your Equifax credit report through our monitoring alerts Equifax Complete™ Family Plan — Get all Equifax Complete Premier features plus help look after your family by adding a second adult plus lock and monitor the Equifax credit file for up to 4 children. WHAT YOU NEED TO KNOW *The credit scores provided are based on the VantageScore® 3.0 model. For three-bureau VantageScore credit scores, data from Equifax®, Experian®, and TransUnion® are used respectively. Any one-bureau VantageScore uses Equifax data. Third parties use many different types of credit scores and are likely to use a different type of credit score to assess your creditworthiness. **WebScan searches for your Social Security number, up to 5 passport numbers, up to 6 bank account numbers, up to 6 credit/debit card numbers, up to 6 email addresses, and up to 10 medical ID numbers. WebScan searches thousands of Internet sites where consumers' personal information is suspected of being bought and sold, and regularly adds new sites to the list of those it searches. However, the Internet addresses of these suspected Internet trading sites are not published and frequently change, so there is no guarantee that we are able to locate and search every possible Internet site where consumers' personal information is at risk of being traded. Copyright 2026 Equifax Consumer Services LLC. All rights reserved. Equifax and the Equifax marks used herein are trademarks of Equifax Inc. Other product and company names mentioned herein are the property of their respective owners.

WRANGLE THOSE WILD SUBSCRIPTIONS, HERO. Your coins are escaping into the digital void every month and you don't even know where they're going. Substrack and Penny the Horse will be your personal finance guardian, tracking all your subscriptions in one totally algebraic place. Peep your monthly and yearly totals faster than a horse at races. Understand your spending by category, and reclaim your treasure hoard. AWESOME POWERS * Easy Subscription Wrangling - Add all your subscriptions with just a few taps. Corral Netflix, Spotify, Adobe, iCloud, and whatever other mystical services are draining your wallet. * Instant Math Magic - Your monthly and yearly costs appear automatically. Zero brain-melting required. * Quick Stats Scrolls - Get the juicy intel: average cost per subscription, total categories, yearly damage, and how much vanishes each day. * Clean UI - A minimal and simple interface that won't harsh your mellow. Tracking subscriptions shouldn't cause friction but better than your notes app. * Fort Knox Privacy - Your secrets stay in your device. No accounts, no creepy tracking, no annoying ads. Just you and your data, chillin'. * Works in the Wilderness - No internet? No problem. Your info lives right on your device, like a loyal sword in your inventory. PERFECT FOR ADVENTURERS LIKE * Anyone juggling multiple streaming potions, software spells, or recurring quests * Coin-savers ready to banish unnecessary expenses to the abyss * Budget warriors who demand to know exactly where their loot disappears to * Privacy champions who want a simple, ad-free adventure SUBSTRACK IS SO NEAT One righteous tool that does one thing spectacularly: helps you understand where your subscription coins are actually going. Download Substrack today and start your quest toward financial enlightenment.