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Enrollees in this program enjoy premier benefits through a top credit reporting and identity protection provider. An incredible value that does not come at a monthly cost. They enroll in the annual program at an introductory price of just $49.95. This is a membership that everyone needs. At a price that everyone can afford.

How to get started

Click "Add To Cart" to get full protection. Start today by uncovering potential fraud with credit monitoring alerts.

Here's exactly what you'll get
  • Enrollment in The USBA - Equifax Complete™️ Premier, powered by Kredit Koncepts
  • Free Basic Membership in The United Small Business Alliance (The USBA)
  • Access to Exclusive Member Events, Workshops, and Wellness Services by The USBA.
  • Credit and Identity Theft Monitoring and Protection.

Equifax Complete®️ Premiere

$4995/year (80% Savings)

Exclusive Pricing for The USBA

List Price: $299.95/year


Credit Monitoring & Identity Theft Protection from Equifax.
✅Know where you stand with access to your 3-Bureau Credit Scores and Report
✅Help monitor your credit and Social Security Number
✅Uncover potential fraud with credit monitoring and alerts

This package includes:

Free 30-Day Trial Membership with The USBA ($25 value)

3-Bureau Credit File Monitoring

✅ 1-Bureau Credit Score Monitoring

✅ WebScan

✅ Automatic Fraud Alerts

✅ Equifax Credit Report Lock

✅ Identity Restoration

✅ Lost Waller Assistance

✅ Up to $1M Identity Theft Insurance

✅ Stolen Funds Replacement

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Fraud Awareness & Prevention

1/3 of consumers have been a victim of Fraud or Identity Theft

We specialize in uncovering and eliminating fraudulent and inaccurate accounts that may be linked to identity theft. By erasing these detrimental accounts, we empower our clients to present a more accurate and positive credit profile to potential lenders, ultimately enhancing their credit scores.

  • Nearly 42 million Americans were victims of identity fraud in 2021, costing consumers $52 billion in total losses*
  • 18% of victims take 4 years or more to discover they are victims of Identity Theft**
  • 1 out of 40 - The proportion of households where children under 18 where at least one child's personal information has been compromised***
  • 66% of victim's information is used to open a new credit account**

* Source: AARP, Comparitech

**Source: The Athena Project by Kunal Sehgal & Hieu Ngo

*** Source: 2012 Child Identity Fraud Survey

Your Credit. Your Identity.
Credit Score and Report Features Include:


3-Bureau Credit File Monitoring


You’ll know if key changes occur to your Equifax, Experian, and TransUnion credit files because we’ll be monitoring all three and provide you with alerts.


3-Bureau Credit Scores and Report


Your annual 3-bureau VantageScores and 3-bureau credit report will give you an in-depth way to assess your credit.


1-Bureau Credit Score and Report


Your credit scores and reports can change frequently. You’ll be able to check both your VantageScore credit score and Equifax credit report anywhere, anytime, to see changes that may have occurred.


Credit Score Monitoring


You’ll know if key changes occur to your 1‑bureau VantageScore credit score because we’ll be monitoring it and notifying you with custom alerts.


Help Better Protect Yourself From Identity Theft
Identity Theft Protection Features Include:




Your personal information shouldn’t be on the dark web. We scan suspected fraudulent websites and alert you if we find your Social Security, credit card, banking, and medical ID numbers.


Automatic Fraud Alerts


If you believe you’re a victim of fraud, you can activate automatic fraud alerts and we’ll place an initial alert on your credit report. This alert encourages lenders to take extra steps to verify your identity before extending credit. On an annual basis, we’ll automatically renew your fraud alert, so you don’t have to.


Equifax Credit Report Lock


Feel more secure knowing your Equifax credit report is locked down from being accessed (with certain exceptions) for the purposes of extending credit.


Identity Restoration


Recovering from identity theft on your own can be time consuming. Let us help make it less of a pain. Our dedicated ID restoration specialists will work on your behalf to help you recover from ID theft.


Lost Wallet Assistance


Losing your wallet is a headache. We make it a less painful ordeal by helping you cancel and reissue your credit and ID cards.


Up to $1M Identity Theft Insurance


If you’re a victim of ID theft, we have your back. We provide up to $1 million in coverage for certain out-of-pocket expenses you may face as a result of having your identity stolen.


Stolen Funds Replacement


Lost funds due to identity theft can be difficult to replace. As part of your ID theft insurance policy, we’ll recover dollar-for-dollar up to $1 million of stolen banking and checking funds and credit/debit card deductibles that are unrecovered through your financial institution.

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Equifax Complete™️Untitled design (13)

Family Plan $199.95 per/year (80% Savings)

Retail Price $1,200 per/year

Add a second adult + Equifax credit monitoring for up to 4 kids.

✅ All features of Premier for two adults

✅ Ability for adults to share credit monitoring alerts


How long does it typically take for credit monitoring services from Experian and TransUnion to become active?

Credit monitoring from Experian and TransUnion will take several days to begin.

What does WebScan search for, and how does it conduct its searches? Additionally, what limitations are there regarding the coverage of personal information?

WebScan searches for your Social Security Number, up to 5 passport numbers, up to 6 bank account numbers, up to 6 credit/debit card numbers, up to 6 email addresses, and up to 10 medical ID numbers. WebScan searches thousands of Internet sites where consumers’ personal information is suspected of being bought and sold, and regularly adds new sites to the list of those it searches. However, the Internet addresses of these suspected Internet trading sites are not published and frequently change, so there is no guarantee that we can locate and search every possible Internet site where consumers’ personal information is at risk of being traded.

Can you explain the payment process for signing up for your service? What are the terms regarding cancellation and refunds?

We will require you to provide your payment information when you sign up. We will immediately charge your card the price stated and will charge the card the price stated for each month you continue your subscription. You may cancel at any time; however, we do not provide partial month refunds.

Who provides the Automatic Fraud Alert feature, and how is it fulfilled?

The Automatic Fraud Alert feature is made available to consumers by Equifax Information Services LLC and fulfilled on its behalf by Equifax Consumer Services LLC.

If I lock my Equifax credit report, what entities may still have access to it?
Locking your Equifax credit report will prevent access to it by certain third parties. Locking your Equifax credit report will not prevent access to your credit report at any other credit reporting agency. Entities that may still have access to your Equifax credit report include companies like Equifax Consumer Services LLC., which provide you with access to your credit report or credit score, or monitor your credit report as part of a subscription or similar service; companies that provide you with a copy of your credit report or credit score, upon your request; federal, state and local government agencies and courts in certain circumstances; companies using the information in connection with the underwriting of insurance, or for employment, tenant or background screening purposes; companies that have a current account or relationship with you, and collection agencies acting on behalf of those whom you owe; companies that authenticate a consumer’s identity for purposes other than granting credit, or for investigating or preventing actual or potential fraud; and companies that wish to make pre-approved offers of credit or insurance to you. To opt out of such pre-approved offers, visit
Could you provide more details about the Identity Theft Insurance benefit, including who underwrites and administers it, and any coverage limitations?

The Identity Theft Insurance benefit is underwritten and administered by American Bankers Insurance Company of Florida, an Assurant company, under group or blanket policies issued to Equifax, Inc., or its respective affiliates for the benefit of its Members. Please refer to the actual policies for terms, conditions, and exclusions of coverage. Coverage may not be available in all jurisdictions


Personal Credit Recovery

Your Credit. Your Control. Helping America Recover from Credit Injustice


Kredit Koncepts Financial Services has assisted individuals and businesses with credit recovery, credit building, and support for over 15 years. Let them help you get the credit score and gain access to the credit products that you deserve.

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