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.

5 Ways to Change Your Money Mindset

Written by Equifax Reporter on February 9, 2016 in Family Money  |   2 comments

The first few months of a new year can be a great time to take stock of your financial health. If you’re looking for some additional support as you get on the track toward financial wellness, here are five steps to help you gain traction….

ChangeYourMoneyMindsetThe first few months of a new year can be a great time to take stock of your financial health. If you’re looking for some additional support as you get on the track toward financial wellness, here are five steps to help you gain traction.

1. Stop procrastinating

If you want to change your financial future, the first thing you need to do is stop putting it off.

“We are hard-wired to avoid pain and discomfort,” says Christine Haviaris, CPA, who is a Certified Financial Planner and founder of TTR Wealth Partners LLC in Lower Hudson Valley, N.Y. “It takes intention, courage and discipline to consistently confront a complex and scary topic. The good news is: It gets easier!”

Cristina Guglielmetti, a CFP and president of Future Perfect Planning in New York City, agrees. Gugliemetti points out that recognizing the major damage that out-of-control spending can cause in our lives may often make it even harder to face your finances. “Without a doubt, the reluctance to acknowledge everything makes it very easy to pretend spending isn’t what it actually is,” she says.

Getting your finances together, tackling debt, and planning for the future is often scary, and confronting past mistakes can be embarrassing, but don’t be deterred by feelings of shame or helplessness. You aren’t alone, and the sooner you take real action, the sooner you may start to see real results.

2. Be honest with yourself about your finances and financial history

One of the most important steps to take when changing your financial mindset is to be truly honest about your situation and how you may have incurred certain debts–especially if the debts may be a result of poor planning and budgeting.

“Unwillingness to reckon with how you got to this point, such as why the credit cards got run up in the first place, is a mistake I see all the time,” says Guglielmetti. “Do you need to say no to expensive nights out with all your friends?”

People generally raise their standard of living in proportion to growing income, but those with high salaries can live paycheck-to-paycheck and max out credit cards just as easily as people with lower incomes. It’s important to be honest about your financial habits so that you can build a system of budgeting and saving to plan for your future instead of living only in the present.

3. Simplify and automate

You need only one mathematical equation to save money: Income – Spending = Wealth. Regardless of your income, if you spend less than you earn, you will be able to save as long as you avoid overcomplicating that formula.

“In reality, the more simple and streamlined your methods, the better chance you have of changing habits,” Guglielmetti says. She recommends automatically depositing your salary into your savings, not your checking, account.

“Make saving a non-negotiable item by directing income to a savings account, then creating a monthly transfer to checking for all expenses,” she says. “That way, a portion remains in savings without your having to move it there yourself, and you guard a bit against lifestyle and expense creep as income grows.”

Haviaris agrees: “Having savings be automatic means it never gets pushed down a to-do list.”

Guglielmetti also recommends having only one credit card for spending and setting up daily text alerts with the balance. “Good or bad, it keeps everything from getting out of control!”

4. Take small, consistent steps for long-term success

In life’s tortoise-and-hare race, follow the tortoise’s strategy: slow and steady wins the race.

It’s could be as simple as changing the way you think of money. Did you grow up with money insecurity? Does thinking of saving for the future make you uncomfortable? Confronting and shedding fears about managing money is a small but vital step.

“With every step, confidence builds, and soon momentum takes over,” Haviaris says.

Likewise, living below your means may also help right a tilting financial ship. Cook meals instead of eating out or make coffee at home instead of stopping at a coffee shop. Spend mindfully, carefully choosing your luxuries.

“Understand what spending mindfully and with intention means to you,” Guglielmetti says. “Once you truly evaluate your spending, how does it make you feel? Are you comfortable with the number and just want to organize things better? Do you want to reduce?”

5. Ignore the market and focus on you

It’s hard to Ignore what the marketplace may be saying about the financial habits of today’s younger generation. “They are afraid to invest … they don’t understand the market … they don’t trust it.”

Keep in mind, though, that the market isn’t everything, and experts say paying too much attention to it can undermine efforts to turn finances around.

“For most people, budgeting and understanding spending is much, much more important than what the market happens to be doing,” Guglielmetti says. “It’s difficult to tune all that out. After all, there are innumerable cable channels and publications dedicated to endlessly dissecting the day’s market moves and making everyone feel like they must act now or they’ll miss out on a big opportunity.

“You can’t control what the market is doing, or tax rates, or interest rates or world events. You can control your spending and savings rates, though, so do that,” says Haviaris.
“Many people want to jump right to investing before building a solid foundation of good money skills. It’s like building your house on sand.”

That doesn’t mean you shouldn’t ever invest. But if you choose to, it’s always smart to plan carefully, and if necessary, speak to a professional.

Related Articles
9 Ways to Save $7,000 in 2016
The Ostrich Effect and How to Avoid It
Reset Your Wallet for 2016

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. Marcel says:

    Thank you

  2. Patricia C. says:

    I am still unable to access my credit report.

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.