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.

Winter Home Maintenance and Weatherproofing Tips

Written by Ilyce Glink on December 27, 2011 in Real Estate  |   1 comment

The arrival of winter means we’re bundling up in coats, hats, and scarves, but is your house ready for low temperatures? Here are some easy weatherproofing and winterizing strategies. Add these tips to your winter home maintenance checklist to help keep your home toasty warm…

The arrival of winter means we’re bundling up in coats, hats, and scarves, but is your house ready for low temperatures? Here are some easy weatherproofing and winterizing strategies. Add these tips to your winter home maintenance checklist to help keep your home toasty warm and to lower your gas bill.

Inspect and maintain home heating systems

Get an inspection of your heating system done before the temperatures drop too low. Clogged filters or dirty air vents can reduce the efficiency of your heating system and raise your heating bill. An annual inspection can ensure that your heating system is working to the best of its abilities and that it won’t break in the middle of a winter snowstorm.

Reduce window and door drafts

For the price of a tube of caulk, you can dramatically reduce your monthly heating bill. Especially if you have an older home, you’re probably leaking a lot of your heat out through cracks around your windows and doors. Older homes are also notorious for leaking heat through the roof.

Sears Home Services has a tip for checking for drafts or leaks: Hold a lit incense stick next to doorways and windows and watch the smoke. When you find leaks, seal them with caulk, and then watch for the savings on your heating bill.

Clean gutters

We talked about this in my blog post about fall home maintenance, but clogged gutters can affect you all through the winter. When water freezes on your roof, it can create an ice dam. Melting ice and snow can find its way under shingles and cause major leaks and roof damage. Prevent this damage by making sure your gutters are clean so that the water and snow have somewhere to go.

Insulate your water heater and pipes

You wear a coat in the winter, why shouldn’t your water heater? An insulating blanket may be built into your water heater, but you should consider wrapping your pipes this winter. Your water heater has to work harder on the coldest days, and you can help reduce the energy required to keep your bath water warm.

Upgrade to Energy Star products

This tip may go against your saving money goals, but you’ll see results in the long run. Buying Energy Star products can require more money out of pocket upfront, but you’ll see a return from this investment through lowered energy bills and tax credits for certain energy-efficient appliances. (You may also be able to get a tax credit for upgrading your windows.)

What are you doing to winterize your home this year? Share your winter home maintenance tasks in the comments.

READ MORE:
Buyer’s Market Q & A with Real Estate Expert Ilyce Glink
Housing Market Predictions-Why Aren’t People Buying Houses?
Housing Market Predictions—A Triple Dip in Home Prices?
Home Maintenance Checklist for the Fall
Money Management Tips: When Celebrities Make Money Mistakes
Home Buying: The Low Down on No Down Payment Mortgages

Ilyce R. Glink is the author of several books, including 100 Questions Every First-Time Home Buyer Should Ask and Buy, Close, Move In!. She blogs about money and real estate at ThinkGlink.com and at the Home Equity blog for CBS MoneyWatch.

1 comment

  1. Kelly Masson says:

    Really very helpful topics for winter season…


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.


Real Estate Archive