Equifax

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.

Four Tips to Help Communicate with Your Spouse about Money

Written by Deb Hornell on February 4, 2013 in Family Money  |   No comments

Prior to marriage, most couples take part in some kind of premarital counseling. Unfortunately, that counseling often does not cover one of the most stressful aspects of marriage—money management. Money can be a major source of arguments in even the best relationships. The good news…

marriage-moneyPrior to marriage, most couples take part in some kind of premarital counseling. Unfortunately, that counseling often does not cover one of the most stressful aspects of marriage—money management.

Money can be a major source of arguments in even the best relationships. The good news is that some preemptive planning can avert these kinds of disagreements.

The following four tips can help you create a long-lasting financial partnership with your spouse.

1. Get clear on the role money plays in your life and your relationship. Know what you want out of life and how money is a part of making that happen. Each of you should be prepared to answer the following questions honestly:

  • How much money do I need to live comfortably?
  • What do I want and need in terms of housing, social activities, children, travel, and freedom?
  • With what level of debt am I willing to live?
  • What is my philosophy about using credit cards?
  • What am I willing to do to ensure that we have a healthy financial situation?
  • What experiences from my past affect the way I view money and its role in a relationship?
  • Who handled finances in my parents’ relationship? What worked or didn’t work for them?

2. Schedule a meeting to discuss—and agree on—overall goals for financial responsibility in your relationship.

  • How will we make decisions about major purchases?
  • Who will handle bill paying?
  • How will we work through disagreements about finances?
  • How will we allow individual freedom for purchases?
  • What structure will we set up for managing finances? Will we use joint accounts, separate accounts, or a mix of joint and separate accounts?

3. Do not discuss long-term financial matters in the heat of an argument. When emotions are running high, neither of you will be able to think logically and you will probably say things you’ll regret later. Stop the conversation and go back to tip #1.

4. Check yourself before you make a snotty comment to your spouse about their spending habits. There’s probably a negative experience or hard feelings behind that comment. Ask yourself why you’re feeling that way, and then ask a question of your spouse to gain understanding instead of a comment to gain the upper hand.

Most importantly, discuss financial needs and wants at the beginning of your relationship, before you run into trouble. By following these simple steps prior to living together, you will be able to make sound decisions, including managing a monthly budget, buying or refinancing a home, and investing in long-term savings programs at work.

Deb Hornell has been helping individuals and companies grow and succeed for more than 25 years. Her expertise in group facilitation, leadership development, change management, and strategic planning makes her the go-to consultant for critical organizational development initiatives. She is known for designing and facilitating practical solutions to complex business challenges while honoring and engaging people in the process. Her forthcoming book will be titled Good Things for a Full Life.

Follow Deb on Twitter: @DebHornell and on Facebook: www.facebook.com/DebHornell

No comments yet


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.