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.

Six Ways to Save on Getting Healthy in the New Year

Written by Teri Cettina on December 31, 2013 in Family Money  |   No comments

It’s that special time of year again: All the folks who made New Year’s resolutions are busily lacing up their running shoes to get fit, and it’s nearly impossible to find a free treadmill at the gym. Despite the crowds you may face for a…

saving money in household budget for fitnessIt’s that special time of year again: All the folks who made New Year’s resolutions are busily lacing up their running shoes to get fit, and it’s nearly impossible to find a free treadmill at the gym.

Despite the crowds you may face for a few months, now’s a great time for saving money on gym enrollment. You may be able to fit a nicer workout facility than you expected into your household budget because of seasonal deals.

At this time of year, you can also score some great deals on fitness gear and activities as well as healthy eating options. Take advantage!

1. Be a grocery sales guru. Stock up on healthy and diet food items in January, when grocers tend to offer rock-bottom sales. (Retailers know many folks are trying to lose post-holiday weight, so they focus their promotions accordingly.) This is a great time to snag deals on protein powder, low-fat frozen dinners, healthy snack bars, and more.

January is also National Fiber Focus Month, so you’ll find sales on items like prunes, supplements, and high-fiber cereals.

2. Join a new gym. Many fitness clubs have more price flexibility than you think, and this is their prime season for recruiting new members. The advantage to you: Gyms are motivated to offer deals.

If you’re happy with your current gym, shop around anyway and see what other competitors are offering. Your current fitness center may be willing to match another gym’s dues to retain you as a customer.

3. Try something different—with a coupon. Want to try a new activity, but not sure whether you’ll stick with it? Look for coupons for yoga, CrossFit, boot camp, and other classes on deal sites like Groupon.com or LivingSocial.com. This is a great way to test out a new activity without making a long-term commitment.

4. Hit the warehouse. Stores like Costco and Sam’s Club aren’t just places to buy gigantic cheesecakes and multi-packs of movie-theatre candy. They also offer discount prices on everything from barbells and workout gear to protein powder and fresh fruits and veggies.

Borrow a trick from health pros and repackage bulk items—like that two-pound trail mix package or five-pound bag of baby carrots—into individual, snack-size baggies. You’re more likely to grab a healthy snack and keep your portions in perspective if you prep your food in advance.

5. Work out inexpensively or for free. If you’re not quite ready for a gym or you’re time-crunched, you can access many fitness programs via your cable/satellite TV company’s on-demand offerings. You can also find great workouts with online subscriptions (Gaiamtv.com lets you access online workouts for $10 per month) or on YouTube for free (check out Lionsgate BeFiT, for example).

If you prefer the old-fashioned route, you can simply purchase or rent workout DVDs.

6. Join a weight-loss program. If you need a little support shedding extra pounds, this is the ideal time to consider a weight-loss program like Weight Watchers, Jenny Craig, or Nutrisystem. Many programs lower or waive certain new-member fees early in the year.

Be sure to check your health plan before signing up: Some insurance companies reimburse a portion of your fees when you join approved weight-loss or smoking cessation programs, as well as fitness centers. Our family’s plan, for instance, reimburses us up to $150 per year for fitness center dues as part of our “fitness benefit.”

(Disclosure: Teri Cettina occasionally writes freelance articles for Costco’s member magazine.)

Teri Cettina is a mom of two daughters and freelance writer who specializes in personal finance and parenting topics. She blogs at Your Family Money. Follow her on Twitter: @TeriCettina

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.

No comments yet

Comments are closed.

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.