Equifax UK

Equifax UK: credit monitoring and identity protection in the United Kingdom

Equifax UK is the UK division of Equifax, focused on credit information services and identity protection for consumers. Its main offering allows users to check their credit score out of 1000, receive alerts, and access a detailed credit report. The company states that checking your score does not harm your credit history.

Subscription products

The subscription catalogue includes several plans with different levels of monitoring and pricing:

• Equifax Credit Report & Score: daily score monitoring, report alerts, tips, access to enhanced credit report, WebDetect and SocialScan, statutory report, and historical reports. First 30 days free, then £14.95 per month.
• Equifax CreditWatch: monthly score monitoring, alerts, tips, enhanced report, WebDetect and SocialScan, statutory report, and historical reports. First 30 days free, then £7.95 per month.
• Equifax Basic: free version with score monitoring, alerts, tips, enhanced report, WebDetect and SocialScan, statutory report, and historical reports.
• Equifax Family & Friends: plan with up to 3 users, daily monitoring, alerts, tips, enhanced report, WebDetect and SocialScan, statutory report, and historical reports. First 30 days free, then £22.95 per month.

All paid subscriptions include a 12-month digital tastecard for the main user, with access to discounts on dining, coffee, pizza delivery, cinema, and leisure activities. Access is withdrawn upon cancellation of the subscription.

Comparison of financial offers

The platform allows users to compare and discover personalised offers for personal loans, credit cards, homeowner loans, car finance, and car and home insurance. Users can check if they are pre-approved without affecting their credit score. It also offers a specific tool, Equifax Car Finance Checker, to check credit score and car finance agreements in one place for free.

Identity protection

The service includes tools such as Equifax WebDetect, which alerts if the user's financial data appears on websites used by fraudsters to exchange personal information, and Equifax SocialScan. The company also publishes guides on how to spot and avoid romance scams, contactless card fraud, and money laundering.

Knowledge centre

Equifax UK maintains a resource centre with articles and guides on mortgages, identity protection, money management, debt management, loans and credit, and student finance. The content covers topics such as how mortgage applications work, no-deposit mortgages with bad credit, how much you can borrow, the County Court Judgment (CCJ) register, debt consolidation, 0% interest credit cards, balance transfers, and mobile phone contracts with bad credit, among others.

Reach and users

The company states that its myEquifax™ app has 28.8 million global users in the UK, United States, Canada, and Australia as of March 2025. The website is available in several languages and adapted to different countries in the Americas, Europe, and Asia-Oceania.