What Is Equifax Family Plan?

Equifax Family Plan protects a primary subscriber, up to four additional adults and any number of children under 18, covering each member's credit report, identity‑theft alerts, dark‑web exposure monitoring, and recovery services.

For example, a household with John as the primary subscriber, his partner Jane, and their teen daughter Emma receives continuous credit‑file checks for new accounts, real‑time alerts if a social‑security number appears on a fraud‑related database, and assistance to lock or freeze files if unauthorized activity occurs; the same monitoring extends to Emma's future credit file once she turns 16, while Jane's separate adult coverage includes the same alerts and a dedicated recovery specialist. Learn more about Equifax Family Plan coverage

Decide if the Equifax Family Plan fits your family's needs by matching three factors: the number of members you want to cover, the specific protections each member requires, and the price you're comfortable paying. If you have two adults and at least one child whose Social Security number you want to monitor, the plan's adult‑credit alerts plus child‑identity watch can prevent unauthorized accounts, making it a strong fit; if you only need coverage for one person, the extra seats may add unnecessary cost.

Next, compare the plan's core features - credit score tracking, fraud alerts, dark‑web scanning, child‑SSN monitoring, and identity‑theft insurance - with what matters most for your household, then move on to the pricing breakdown in the following section. For a quick recap of who the plan protects, see Who and what Equifax Family Plan protects.

The below content will be converted to HTML following it's exact instructions:

• Credit monitoring for all adult members, alerts you to new accounts, inquiries, and changes in credit scores
• Identity theft protection that includes dark‑web scanning and personal information masking for each family member
• Fraud‑resolution assistance, providing a dedicated specialist to guide you through disputes and account recovery
• Family‑wide alerts for data‑breach exposure, notifying you instantly if any member's information appears in a compromised database
• Annual credit report access for every adult, allowing you to review and correct errors before they affect your credit standing

Equifax Family Plan keeps budgeting simple by charging a single household fee and a modest per‑member add‑on, so you pay only for the people you protect. Pricing scales with family size, letting you stay within a typical monthly grocery‑budget range.

The current Equifax Family Plan costs $9.99 / month for up to five members; each additional member adds $2.99 / month. Choosing annual billing reduces the total to $99 per year (≈15 % discount). For a family of four, the monthly outlay is $9.99, while a household of eight would be $9.99 + 3 × $2.99 ≈ $18.96. See the official Equifax Family Plan pricing details for the latest rates.

You can set up your Equifax Family Plan in five simple steps.

1. Create an account - Visit the Equifax website, click 'Sign Up,' and provide a valid email address and secure password. Verify the email via the link sent to your inbox.
2. Choose the family tier - Review the pricing table from the 'see how Equifax pricing fits your family budget' section and select the tier that matches the number of members you intend to protect.
3. Enter primary member details - Fill in the primary adult's full name, Social Security number, date of birth, and current address. Equifax will run an initial credit check to confirm identity.
4. Add family members - For each additional adult, child, or senior, input name, SSN (or ITIN for minors), and birthdate. The system automatically groups them under the primary account and applies the core features described earlier.
5. Confirm and pay - Review the summary, accept the terms, and submit payment using a credit or debit card. You receive a confirmation email with login credentials and a guide to the dashboard.

After step five, your Equifax Family Plan is active and ready for monitoring, alerts, and identity restoration services.

You can add or remove members at any time from the Equifax Family Plan by using the online dashboard or mobile app.

• To add a member
  
  1. Log in to your Equifax account.
  2. Select 'Family Plan' → 'Manage Members.'
  3. Click 'Add Member,' enter the person's name, SSN, and email, and choose the desired protection tier.
  4. Confirm the addition; the premium adjusts on the next billing cycle.
• To remove a member
  
  1. Open the 'Manage Members' screen.
  2. Locate the member you wish to delete and click 'Remove.'
  3. Confirm the removal; any unused coverage credits are applied to your account, and the premium updates at the next billing date.

Changes appear instantly in your dashboard, and the next billing statement reflects the revised member count. For detailed step‑by‑step screenshots, see the Equifax Family Plan member management page.

Equifax Family Plan lets you enroll children from birth, monitoring their Social Security number for any credit inquiry, public record, or fraud alert even though minors do not have a credit file.

The service sends real‑time alerts when a lender attempts a pull, when a new account appears, or when the child's SSN surfaces in a data breach; you can place a security freeze with one click and request a child‑identity report that lists every use of the number (Equifax Child Identity Protection).

You add a minor through the online portal by entering name, DOB, and SSN; Equifax Family Plan treats the child as a protected entity until age 18, then automatically upgrades to full adult monitoring, setting the stage for the breach‑history analysis in the next section.

The 2017 hack that leaked names, Social Security numbers, birth dates, addresses and, in some cases, driver's license numbers of roughly 147 million people, plus a smaller 2011 breach that exposed about 2.5 million records, form the core of Equifax's breach history and define the risk profile for anyone considering the Equifax Family Plan;

those data points remain valuable to fraudsters, so members still face potential identity theft, credit fraud, or synthetic identity attacks even after enrollment, though the plan's monitoring and alerts aim to reduce exposure.

• 2017 breach: 147 million U.S. consumers affected, data included SSN, DOB, address, some driver's license numbers (Equifax 2017 breach details)
• 2011 breach: 2.5 million consumers affected, limited to personal identifying information
• Risk persists because stolen data can be sold repeatedly, used to open accounts, or combined with new information
• Equifax Family Plan mitigates risk through continuous credit monitoring, real‑time alerts for suspicious activity, and identity theft resolution services, which we'll explore in the '5 core features you should watch' section
• Families with minors benefit from added child‑ID monitoring, reducing the chance that a child's clean credit file becomes a target for synthetic identities

Equifax does not currently market a product called the Equifax Family Plan, so there is no bundled pricing, shared identity‑theft insurance, or multi‑user dashboard to compare directly. Without a dedicated family tier, users must purchase individual monitoring subscriptions or rely on free alerts, which limits the ability to manage several household members under one account.

Most other credit bureaus bundle monitoring for multiple people under a family‑oriented package; these typically include a single login that tracks each member's credit, alerts for all ages, and a collective identity‑theft insurance limit. Features, pricing, and coverage differ by provider, so you'll want to review a side‑by‑side analysis such as the independent comparison of family credit‑monitoring services before deciding which suite matches your household's needs.

To cancel your Equifax Family Plan and receive any eligible refunds, log into your Equifax account and follow the steps below.

1. Sign in at Equifax.com, select My Subscription, then click Cancel Plan.
2. Confirm the cancellation when prompted; copy the confirmation number for your records.
3. Review the refund policy: a full refund applies if you cancel within 30 days of purchase; after 30 days you receive a prorated refund for the unused portion of the billing cycle.
4. If a refund is due, ensure your original payment method is still active or provide an alternate bank account for the credit.
5. Receive a cancellation confirmation email; refunds are processed within 7‑10 business days.

If you cannot access the online portal, call Equifax support at 1‑800‑527‑6572, reference your account number, and request cancellation and refund using the same eligibility criteria.