Member Benefits
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Get a full picture of your credit strength from all three major credit reporting agencies - Experian, Equifax and TransUnion.
Reviewing your credit reports is one of the best ways to manage your credit and discover if your identity has been stolen. They contain listings of credit cards, loans, bank accounts, collections, inquiries and a host of other financial and personal information that is registered in your name. By examining and comparing your credit reports on a regular basis, you can keep tabs on your overall credit and identify suspicious activity that may indicate your identity has been compromised.
Your credit scores are an indicator of your financial health and the risk that you pose to lenders. Companies rely on your credit scores to determine whether to lend you money and to set the interest rates you pay. Combined with your credit reports, you'll get a complete picture of your credit strength.
With the CreditXpert "What-If" Simulator, you can utilize your reports and scores to analyze how specific actions can increase - or reduce - your ratings.
Each day, PrivacyGuard carefully monitors your credit report for certain changes.
Early detection of suspicious activity and errors in your credit report is essential to minimizing both the damage incurred by identity thieves and the time needed to rectify any issues. PrivacyGuard monitors your credit report daily through one of the major reporting agencies for certain signs of activity. Should your account be queried, or if a new account opens in your name, PrivacyGuard will send an alert to you. You'll be able to assess the change and quickly take any necessary steps to re-secure your credit. As an added benefit, you'll receive an "all clear" notice for each quarter that your account remains static, so you'll always know just where you stand.
Receive an "all clear" notice each quarter your credit report shows no change in certain activity.
Enjoy the added security of confirming that your credit report remains free of suspicious activity throughout the year. PrivacyGuard's quarterly "all clear" notice.
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Having trouble understanding your credit report? Help is just a phone call away.
Receiving your credit report is good, but understanding it is essential. PrivacyGuard's Credit Information Hotline provides toll-free support to ensure that you fully comprehend all the details of your credit history.
Enjoy streamlined dispute resolution on credit reporting errors.
Now, disputing errors on your credit report is faster and easier than ever. PrivacyGuard provides a pre-formatted correction letter for disputing incorrect information and available credit experts to assist you.
Take the guesswork out of automobile financing and see how much car you can really afford.
PrivacyGuard's easy-to-use, multipurpose calculator easily determines your monthly loan payments or your total purchase price based on specific payments and terms. Plus, get a complete loan amortization schedule. Now, it's easy to see how different terms and down payments affect your final price, enabling you to pinpoint the best payment options for your purchase.
Generate an easy-to-read mortgage payment schedule.
Review an amortization schedule of your mortgage including your interest payments and principal balances. In addition, you can see how making pre-payments on your principal affects your overall loan, enabling you to discover the most efficient payment scenarios for buying a home.
Determine the best way to pay off your debt.
Developing an effective, personalized debt reduction plan just got easier. Simply enter your current loans and apply a payment to each one. You'll see the impact that various payments and schedules have on your current obligations, enabling you to devise a plan that works best for you.
Get in-depth statistics on nearly every neighborhood in the United States.
Whether you're considering a move, or just traveling to an unfamiliar area, PrivacyGuard makes it easy to obtain an overview of virtually every neighborhood in the country. Review home values, demographics, crime rates, climate and pollution measurements and more. See how your neighborhood stacks up, or preview other locations. That way, you can know exactly where you're going long before you get there.
Easily access and review your driver's records.
Your driver's record is among the primary tools that auto insurance companies use to set your rates, so it's important to review it periodically for errors, false violations, fines and other factors that can increase your premiums. PrivacyGuard provides reimbursement for the cost of obtaining your record, giving you one less expense to worry about.
Store data from your important cards and documents for quick, emergency retrieval.
PrivacyGuard lets you store information from credit cards, bank cards and important documents in a single, secure location. Should these items become lost or stolen, canceling your cards and retrieving your data are just a simple click away... making those emergency situations a little less stressful.****
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Obtain personalized assistance in resolving a case of identity fraud.
Should you become the victim of identity fraud, PrivacyGuard will help you recover quickly. You'll be assigned a dedicated caseworker who will work with you in restoring your ID, supporting you every step of the way. Plus, you'll receive a customized binder filled with helpful information to help you recover even faster. Thanks to PrivacyGuard, you can be well on your way towards restoring your good name in no time.
Protect your assets with up to $10,000* in Identity Theft Insurance.
The cost of recovering from identity theft can far exceed your actual monetary losses. That's why PrivacyGuard provides up to $10,000* in loss recovery protection for covered expenses. But we don't stop there. You also receive professional assistance with setting the record straight, from notifying creditors to organizing paperwork and obtaining legal counsel. Financial and credit institutions often don't provide these essential services, making PrivacyGuard a vital tool toward securing and restoring your records.
Obtain a record of your estimated Social Security benefits.
PrivacyGuard makes it easy to request your Social Security report by including the official form right on our website. Monitoring your Social Security report for accuracy is essential to ensure that you receive the correct Social Security payments upon retirement. An error in your report could result in you receiving substantially less money than you deserve. Plus, you can see how much you can expect to receive once you retire, and assess the financial benefits of retiring later in life.
MANY GOVERNMENT RECORDS ARE AVAILABLE FREE OR AT A NOMINAL COST FROM GOVERNMENT AGENCIES. CREDIT REPORTING AGENCIES ARE REQUIRED BY LAW TO GIVE YOU A COPY OF YOUR CREDIT RECORD UPON REQUEST AT NO CHARGE OR FOR A NOMINAL FEE.
Review your confidential records stored at the Medical Information Bureau (MIB) should any exist.
Your MIB records may be utilized by companies to determine your eligibility and liabilities in obtaining an array of insurance including health, life, long term care and critical illness coverage.
There were approximately 11.1 million new identity theft victims in the U.S.
in 2009.
Javelin, 2010
An identity theft victim spends an average of 21 hours resolving their case.
Javelin, 2010
The average time it takes for consumers to self-detect that
their identity has been compromised
is 51 days.
Javelin, 2010
Frank Abagnale has worked extensively with the FBI and is the subject of Catch Me If You Can.
