The Equifax Credit Watch™ Silver Monitoring System
1. Features and Benefits. The Equifax Credit Watch™ Silver monitoring service is a one (1) year membership service that provides you with an “early warning system” to changes to your credit file. The key features and benefits are:
o Monitors your Equifax credit file and alerts you to key changes via email within 7 days.
o Wireless alerts and customizable alerts available.
o “No news is good news” monthly message if there are no alerts.
o One free Equifax Credit Report™ with a discount on additional reports.
o $2,500 in identity theft protection with $250 deductible (certain limitations and exclusions may apply).
o Premium Customer Care, 8am - 3am, 7 days a week
2. How to Enroll. Equifax has a simple Internet-based verification and enrollment process located at http://www.myservices.equifax.com/silver. Please note that if you are an existing Equifax customer, these steps may be different and you will be prompted to enter your previously-established user name and password. You can then proceed to order the Equifax Credit Watch™ Silver service and enter your promotional code. To enroll online please complete the following steps:
o Step 1 – Registration: Complete the form with your contact information (name, address, telephone number, social security number, date of birth and e-mail address). This information is provided in a secured environment.
o Step 2 – Verify Your Identity: Equifax will verify your identity by asking you up to two security questions.
o Step 3 – Order Summary: During the "check out" process, provide the promotional code (as listed in the letter) in the “Enter Promotion Code” box (case sensitive, no spaces, include dash). After entering your code, press the “Apply Code” button and then the “Submit” button at the bottom of the page. (This code eliminates the need to provide a credit card number for payment.)
o Step 4 – Go to the Member Center: Under “Product List” select Credit Watch to access the product features.
3. Placing a Fraud Alert. A fraud alert is a consumer statement added to your credit report. This statement alerts creditors of possible fraudulent activity within your report and requests they contact you prior to establishing any accounts in your name. Once the fraud alert is added to your credit report, all creditors should contact you prior to establishing any account in your name. To place a fraud alert on your Equifax credit file, you may contact the Equifax fraud line at (877) 478-7625, and follow the simple prompts. Once the fraud alert has been placed with Equifax, a notification will be sent to the other two credit reporting agencies, Experian and Trans Union, on your behalf. The alert will last 90 days.
