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.

About Dan Solin: Making Sense of the Nonsensical World of Investing

Written by Dan Solin on May 4, 2010 in Retirement  |   No comments

I remember it like it was yesterday. It was 2006, and I was taking a long walk. I had been trying my best to plow though an investment book filled with charts, graphs, and lots of technical language. I couldn’t imagine struggling through all 300-plus…

Equifax retirement expert Dan Solin

I remember it like it was yesterday.

It was 2006, and I was taking a long walk. I had been trying my best to plow though an investment book filled with charts, graphs, and lots of technical language. I couldn’t imagine struggling through all 300-plus pages of its dense finance-speak.

The author’s punch line seemed to be “This is too complicated for a layperson to go it alone. You need to hire me or some other financial expert to assist you.”

I wasn’t a complete neophyte in the world of investing. As a trial lawyer, I had represented many investors who had lost a significant portion of their life savings due to misconduct by their brokers and financial advisers. I had retained experts with PhDs in finance to assist me. I had reviewed thousands of pages of internal brokerage firm documents and cross-examined many brokers.

Here’s what I learned from that experience, in a nutshell: brokers know less about finance than I do! Their focus is on sales and generating commissions. They have no grasp of risk and no understanding of historical returns. I couldn’t imagine entrusting my money to one of these people, who reminded me more of used-car salesmen than “financial professionals.”

My original concept was to write a “sound bite” book on investing. It would be short, written in plain English, with investing guidelines that could be quickly understood by everyone, without needing a broker or adviser.

I had an epiphany: The traditional securities industry is not part of the solution, as it so desperately wants investors to believe. It is the problem.

I hurried home and wrote for four days straight. I delivered a finished manuscript to a literary agent. Two days later, she sold the book to Penguin, who remains my publisher.

I changed the title to The Smartest Investment Book You’ll Ever Read, but not for the reasons many think. I wasn’t arrogant enough to believe this was the smartest investment book ever written (A Random Walk Down Wall Street, by Burton G. Malkiel, gets my vote for that accolade). But I thought it was the smartest investment book everyone could easily read and understand. I provided instructions so the reader could implement the simple, academically based investment recommendations contained in the book.

Now more than ever, there is a need to reaffirm the basic advice in that book, and the advice in my subsequent books, The Smartest 401(k) Book You’ll Ever Read and The Smartest Retirement Book You’ll Ever Read.The principles I discuss in these books helped investors withstand the worst market crash in fifty years and emerge unscathed.

In this blog, I will be applying these same principles to the many challenges facing investors today, especially those planning for retirement.

The securities industry is very creative at coming up with ways to separate you from your money. My job is to protect you and give you information that will maximize your returns.

Really, I view my job as making sense of the nonsensical world of investing.

I invite you to join me on these pages. Feel free to ask questions, comment on these blogs, and suggest topics you’d like me to cover.

Dan Solin is a Senior Vice-President of Index Funds Advisors. He is the author of the New York Times best sellers The Smartest Investment Book You’ll Ever Read and The Smartest 401(k) Book You’ll Ever Read. His latest book is The Smartest Retirement Book You’ll Ever Read.

Follow Dan Solin on Twitter.

Read More

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.


Retirement Archive