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Equifax CreditWatch
What Equifax CreditWatch is
Equifax CreditWatch provides credit monitoring and identity-theft protection through Android, iOS and the web. Daily Credit Alerts notify members about significant credit-report changes, while the Equifax Credit Score updates monthly; Equifax says checking it does not harm the score. WebDetect watches suspected fraud websites on the dark web continuously and can alert members when personal or financial information appears. Monitoring can cover up to six email addresses, six telephone numbers, six bank accounts and 12 credit or debit cards, plus a driver’s licence and national insurance number. SocialScan searches social media for publicly available information that could compromise identity. After signup and ID verification, members can access, download or print full historical Equifax reports as PDFs. The plan includes an Open Banking Finance Monitor and customer care. It costs £7.95 per month after the first 30 days free, with cancellation at any time.
Who it suits
It suits people wanting recurring credit-change alerts, score updates, report access and monitoring for personal details. The service is UK-focused, with Equifax Limited authorised and regulated by the Financial Conduct Authority.
What it does well
- Daily alerts for significant credit changes
- Monthly Equifax Credit Score updates
- Dark-web and social-media monitoring
- Monitors multiple accounts and identity details
- Historical credit reports available as PDFs
What to know first
- No free plan
- Requires signup and ID verification for full reports
- £7.95 monthly after trial
- Customer care excludes 25 and 26 December
Limits
The first 30 days are free; after that, CreditWatch costs £7.95 per month and can be cancelled at any time. WebDetect monitoring supports up to six email addresses, six telephone numbers, six bank accounts and 12 credit or debit cards, plus a driver’s licence and national insurance number. Full credit report access requires signup and ID verification.
Plans
| Plan | Billed and limits | Price |
|---|---|---|
| CreditWatch | First 30 days free, then £7.95 a month; cancel at any time. · Unlimited online access to the credit report · Monthly Equifax Credit Score · Daily alerts for key credit-report changes · WebDetect and SocialScan · Open Banking Finance Monitor · Customer-care support | £7.95 a month |
| Equifax CreditWatch | First 30 days free, then £7.95 a month; cancel at any time. · Daily credit alerts · monthly Equifax Credit Score updates · WebDetect · SocialScan · full online credit report after ID verification · historical PDF reports | £7.95 a month |
As uk.equifax.com lists them, read 21 Sept 2026. The maker's own page has the final word.
Getting started
- Visit the Equifax CreditWatch website.
- Start the 30-day free period and sign up.
- Complete ID verification to access the full online credit report.
- Use the service on Android, iOS or the web.
- Configure WebDetect monitoring for the personal and financial details you want covered.
Verdict
CreditWatch combines credit reporting with broad monitoring for identity and financial details. Its paid subscription starts after a 30-day free period and includes online tools across major platforms.
Questions
How much does CreditWatch cost?
The first 30 days are free, then it costs £7.95 per month. You can cancel at any time.
Is there a free plan?
No. CreditWatch has a 30-day free trial, followed by a monthly charge.
Which platforms does it support?
It is available on Android, iOS and the web.
What does WebDetect monitor?
It monitors suspected fraud websites on the dark web and can alert you if it finds your personal or financial information.
Can members access their full credit reports?
Yes. After signup and ID verification, members can view the full online report and view, download or print historical reports as PDFs.
Who makes CreditWatch?
Equifax provides the service. Equifax Limited states that it is authorised and regulated by the Financial Conduct Authority.
Facts from Equifax CreditWatch's own pages
- App
- Equifax provides the myEquifax app, described on the product page as offering access to a free Credit Score and Car Finance Checker. · uk.equifax.com, 8 Oct 2026
- Bank account monitoring
- Yes · uk.equifax.com, 21 Sept 2026
- Company
- Equifax Inc. was founded in Atlanta, Georgia, in 1899, and Equifax says it has operated in the UK since 1990. · equifax.co.uk, 8 Oct 2026
- Credit alerts
- Daily Credit Alerts notify members of significant changes to their credit report. · uk.equifax.com, 8 Oct 2026
- Credit reports
- After signup and ID verification, members can access their full Equifax Credit Report online and view, download or print historical credit reports as PDFs. · uk.equifax.com, 8 Oct 2026
- Credit score
- Members can track their Equifax Credit Score with monthly updates, and Equifax says checking the score will not harm it. · uk.equifax.com, 8 Oct 2026
- Dark-web monitoring
- Yes · uk.equifax.com, 21 Sept 2026
- Free plan
- No · uk.equifax.com, 21 Sept 2026
- Headquarters
- London, United Kingdom · uk.equifax.com, 28 Sept 2026
- Monitored details
- WebDetect can be customised to monitor up to 6 email addresses, 6 telephone numbers, 6 bank accounts and 12 credit or debit cards, plus a driver’s licence and national insurance number. · uk.equifax.co.uk, 8 Oct 2026
- Privacy and security
- Equifax says personal data is stored on encrypted servers at secure physical locations and that it has internal policies and controls to reduce risks of loss, misuse, disclosure or accidental destruction. · equifax.co.uk, 8 Oct 2026
- Purpose
- CreditWatch provides credit monitoring and identity theft protection tools from Equifax. · uk.equifax.com, 8 Oct 2026
- Regulation
- Equifax Limited states that it is authorised and regulated by the Financial Conduct Authority. · equifax.co.uk, 8 Oct 2026
- SocialScan
- SocialScan searches social media sites for publicly available personal information that could compromise a member’s identity. · uk.equifax.com, 8 Oct 2026
- Support
- Customer care is available 8am–6pm Monday to Friday, excluding 25 and 26 December; members can also check FAQs and raise a query through the online portal. · uk.equifax.com, 8 Oct 2026
- UK registered office
- Equifax Limited lists its registered office as 1 Angel Court, London, EC2R 7HJ. · equifax.co.uk, 8 Oct 2026
- WebDetect
- WebDetect monitors suspected fraud websites on the dark web 24/7 and alerts members if it finds their personal or financial information. · uk.equifax.com, 8 Oct 2026
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