Finance Blog

Stay financially savvy with the Equifax Advisor.

Sign up for our FREE Monthly Email Newsletter


Thank you for signing up for the FREE Equifax monthly newsletter

In addition to keeping in the financial know, you may be interested in checking your credit score and report.

Understand your credit. Help protect your identity.

Equifax Complete™ Premier Plan

  • Know What May Influence Your Credit Score and Be Alerted of Changes
    Credit score monitoring with custom alerts
    Important Disclosure: The Equifax credit score and 3-Bureau credit scores are based on an Equifax credit score model and are not the same scores used by 3rd parties to assess your creditworthiness.¹
  • Help Protect Your Identity
    Automatic fraud alerts encourages lenders to take extra steps to verify your identity²
  • Lock Your Credit
    The ability to lock and unlock your Equifax Credit Report³
Save 75% your first 30 days with the purchase of Equifax Complete™ Premier

$4.95 for the first 30 days, then $19.95 per month thereafter. You may cancel at any time; however, we do not provide partial month refunds.4

¹The credit scores provided under the offers described here use the Equifax Credit Score, which is a proprietary credit model developed by Equifax. The Equifax Credit Score and 3-Bureau scores are each based on the Equifax Credit Score model, but calculated using the information in your Equifax, Experian and TransUnion credit files. The Equifax Credit Score is intended for your own educational use. It is also commercially available to third parties along with numerous other credit scores and models in the marketplace. Please keep in mind third parties are likely to use a different score when evaluating your creditworthiness. Also, third parties will take into consideration items other than your credit score or information found in your credit file, such as your income.

²The Automatic Fraud Alert feature is made available to consumers by Equifax Information Services LLC and fulfilled on its behalf by Equifax Consumer Services LLC.

³Equifax Credit Report Control™ is only available while you have a current subscription to Equifax Complete Premier. Locking your credit file with Equifax Credit Report Control will prevent access to your Equifax credit file by certain third parties, such as credit grantors or other companies and agencies. Credit Report Control will not prevent access to your credit file at any other credit reporting agency, and will not prevent access to your Equifax credit file by companies like Equifax Personal Solutions which provide you with access to your credit report or credit score or monitor your credit file; Federal, state and local government agencies; companies reviewing your application for employment; companies that have a current account or relationship with you, and collection agencies acting on behalf of those whom you owe; for fraud detection and prevention purposes; and companies that wish to make pre-approved offers of credit or insurance to you. To opt out of such pre-approved offers, visit www.optoutprescreen.com/.

4We will require you to provide your payment information when you sign up and we will immediately charge your card $4.95. After that, we will charge the card $19.95 for each month you continue your subscription. You may cancel at any time; however, we do not provide partial month refunds.

Equifax® is a registered trademark and Equifax Complete™ Premier is a trademark of Equifax, Inc. © 2014, Equifax Inc., Atlanta, Georgia. All rights reserved.

Protect Yourself from Security Weaknesses in Wireless Networks

Written by Equifax Reporter on April 19, 2016 in Credit  |   3 comments

Every day, millions of Americans use their electronic devices while out shopping, having coffee, or changing planes, often without a thought about the wireless networks they’re using. Unfortunately, those networks could be making everyone’s favorite devices vulnerable to viruses or malware attacks. For example, in…

WirelessVulnerabilitiesEvery day, millions of Americans use their electronic devices while out shopping, having coffee, or changing planes, often without a thought about the wireless networks they’re using. Unfortunately, those networks could be making everyone’s favorite devices vulnerable to viruses or malware attacks.

For example, in the summer of 2015, flaws were discovered in both Apple and Android devices that could allow hackers to install harmful malware on a phone without the user even being aware that the phone had been compromised.

iPhones and MacBooks

A serious vulnerability was found in iOS 8.4.1 (for iPhones) and OSX Yosemite (for MacBooks) that allowed hackers to access and install malware via the Bluetooth-enabled feature Airdrop. If a hacker is in range of your device, all he or she had to do is drop the malicious app onto it, without your knowledge or permission, using a wireless network. Then, the malware simply installed itself the next time you turn on the device.

Thanks to Apple’s design, the amount of user data to which a hacker could gain access to is limited.

Even so, hackers might be able to track the location of your phone or make in-app purchases through your iTunes account.

Here are two simple steps you can take to help protect your iPhone or MacBook from attack:

  • Upgrade your iPhone to the iOS 9 operating system, which includes a fix for this problem.
  • If you don’t want to update your MacBook’s operating system, disable Airdrop or your computer’s Bluetooth feature to help keep your device secure.

Android devices

Android devices recently had their own set of security challenges. A security analyst in Texas discovered a simple way to bypass the lock screen on his own phone, which was running the widely used version 5 of the Android OS. Although a hacker would have to be in possession of the phone to bypass the screen, the weakness can allow easy access to all of the apps and data the phone has to offer.

This discovery came on the heels of another flaw, called Stagefright, which is even more dangerous. A mobile security researcher at Zimperium Labs found that the Stagefright flaw exposes devices via text messages that send a video file containing a piece of malicious code to a ’victim’s Android device. Because Android phones begin to process video automatically, hackers could use this tactic to steal data or take control of apps.

Here are some steps you can take to help secure your Android devices:

The lock screen bypass

  • Don’t leave your phone unattended. A hacker has to have your phone in his or her possession to bypass the lock screen.
  • If you currently use a password to protect your phone, you might want to change to a PIN or pattern instead.
  • Some phone carriers have issued a patch for this problem, so always keep your device’s software up to date.
  • Check with your carrier to see if it has issued a software update to fix this weakness. If so, follow the carrier’s instructions to update your device.
  • If your carrier doesn’t yet have an update, look into how you can take steps yourself to disable the automatic download function that allows Stagefright to obtain access to your phone.

Protect your wireless network

Although updating the software on all of your devices can provide an important layer of protection, the best strategy to help protect your devices is to keep your own wireless network safe and secure. You can do so by taking the following steps:

  • Encrypt your wireless network.
  • Confirm that your router is secure.
  • Limit outside access to your network.
  • Ensure that your network is secure during mobile access.

Taking these steps now may help you keep your favorite mobile devices free of viruses and malware, both at home and on the go.

Related Articles
Is the Barcode on Your Boarding Pass Secure?
Losing Control: The Emotional Toll of Identity Theft
How You Can Help Protect Against Identity Theft

The information contained in this blog post is designed to generally educate and inform visitors to the Equifax Finance Blog. The blog posts do not give, and should not be assumed to provide, personalized tax, investment, real estate, legal, retirement, credit, personal financial, or other professional advice. Before making any financial decision, you should always consult with the appropriate professionals who can explain your options, rights, and legal responsibilities, and advise you on any tax, legal, credit, or business implications that may result from those decisions. The views and opinions expressed by the authors of blog posts are their own views and may not be the views or opinions of Equifax, Inc. and/or its affiliates.


  1. Anonymous says:

    For domeone who doesn’t know much about modern technology and a victim of identity theft, I think these steps given for one’s safety on their phones, tablets, etc was ir has been a tremendous asset to further my knowkedge of such necessities..thank you..

  2. Anonymous says:

    Re: “Protect your wireless network”..it would have been helpful to sya how or refer to another source !

Leave a Comment

Name :

Commenting guidelines

We welcome your interest and participation on this forum, but be aware that comments will be published at Equifax's sole discretion. Please don't use this blog to submit questions or concerns about your Equifax credit report or raise customer service issues. Instead, you should contact Equifax directly for all such matters and any attempts to do so in this forum will be promptly re-directed.

Some other factors to consider when commenting:
  1. Registration and privacy. While no registration is required to visit our forum, participants wishing to post a message must register by creating an account. All personal information provided by forum members incident to registration is governed by our Terms of Use and Privacy Policy.
  2. All comments are anonymous. We'll delete your name, e-mail address, and any other identifying information, including details about your investments.
  3. We can't post or respond to every comment - As much as we'd like to, we can't post every comment, nor can we guarantee that we will respond to each individual message. All questions or comments about your Equifax credit report or similar customer service issues should be handled by contacting Equifax directly.
  4. Don't offer specific legal, tax or financial advice. All of the materials on this Site are for information, education, and noncommercial purposes only and this forum is not intended as a means of expressing views or ideas regarding any specific legal, tax, or investment advice. While offering general rules of thumb is both permitted and encouraged, recommending specific ideas or strategies regarding investments, taxes, and related matters is prohibited.
  5. Credit Repair. This blog is not intended as a venue for the discussion or exchange of ideas regarding credit repair or other strategies intended to assist visitors and community members improve or otherwise modify their credit histories, ratings or scores.
  6. Stay on topic. Your comment should be concise and pertain to the specific post in question.
  7. Be respectful of the community. The use of profanity, offensive language, spam, and personal attacks will not be tolerated and egregious or repeat offenders will be banned from future participation. We encourage disagreement and healthy debate, but please refrain from personal attacks on our WordPresss and contributors.
  8. Finally: Participation in this forum may be terminated by Equifax immediately and without notice for failure to comply with any guidelines or Terms of Use. As such, you should familiarize yourself with all pertinent requirements prior to submitting any response through the blog or otherwise. All opinions expressed in this forum are solely those of the individual submitting the comment, and don't necessarily represent the views of Equifax or its management.

Equifax maintains this interactive forum for education and information purposes in order to allow individuals to share their relevant knowledge and opinions with other members and visitors. We encourage you to participate in discussions about personal finance issues and other topics of interest to this community, but please read our commenting guidelines first. Equifax reserves the right to monitor postings to the forum and comments will be published at our discretion. Do you have questions or comments about your Equifax credit report or customer-service issues regarding an Equifax product? If so, please contact Equifax directly. All opinions and information expressed or shared in blog comments are solely those of the person submitting the comments, and don't necessarily represent the views of Equifax or its management.

Credit Archive