Credit monitoring is the term for regularly checking your credit report for changes. Whenever you or any other person takes an action regarding your credit, this activity will likely be recorded onto your credit report. The culmination of all these credit actions are then compiled and included on your complete credit report. Whenever you apply for a new credit card, seek a new loan or even apply for some types of insurance, the company you are dealing with will review your credit report as a way to gauge your credit risk and determine whether they would like to do business with you. If someone gains access to your personal information, he or she may pose as you to get credit in your name. Of course, the perpetrator has no intention of paying the money back, and your credit suffers as a result.
Credit monitoring helps provide protection against the misuse of your credit by alerting you of certain changes that appear on your credit report. Not all of these changes will necessarily indicate that your credit is at risk. These could be actions initiated by you or on your behalf, such as when you apply for a new credit card or set up a new cell phone or utility account. On the other hand, the change could be the result of inaccurate information being reported to the credit reporting agency or, in a worst case scenario, someone trying to steal your credit. Whatever the case, credit monitoring can alert you when certain changes occur, enabling you to assess whether the change is legitimate, and if not, take the steps needed to rectify the situation.
Of course, reviewing your latest credit reports throughout the year is also an important factor in credit protection, as not all the information in your credit report is - or necessarily needs to be - monitored for changes on a regular basis. So you should review it regularly to ensure that your entire report is accurate and up to date, since inaccuracies could inhibit your ability to get credit should the need suddenly arise. But with credit monitoring, you can stay up to date on many important changes without the need to request and review a new credit report every day.
Each day, PrivacyGuard's triple-bureau credit monitoring scans your credit files at the three national credit reporting agencies - Equifax, Experian and TransUnion. Monitoring all three credit agencies for changes with triple-bureau monitoring is important because each agency operates separately from one another, and the information they receive and include in your credit report could be different. As such, it's possible that a particular change may only show up on one of your three credit reports. With PrivacyGuard's triple-bureau credit monitoring, you can help ensure that you keep track of these changes regardless of which of the three credit reporting agencies are recording them. See details.
Should PrivacyGuard spot a monitored change on any of your national credit files, you are quickly alerted and provided the resources and personal support you need to assess the change and quickly rectify it, if necessary.
For your security, simply complete the authentication process on the website after you enroll in PrivacyGuard. You cannot access your Credit Report and Scores or start your Credit Monitoring and Alerts until you verify your identity.
It takes a certain kind of change to trigger a credit monitoring alert. PrivacyGuard's credit monitoring informs you of new inquiries, certain derogatory information, new accounts opened, public records added to the credit file, or a change of address. Changes like these shouldn't happen without your knowledge, and if such a change occurs and you did not initiate it, it usually indicates one of two things - either some inaccurate information has been posted to your credit report, or someone may have gained access to your credit information. Whatever the reason, PrivacyGuard is there to help you understand and address it.
Monitoring your credit daily is only one of the ways PrivacyGuard helps with credit protection. You also can receive your latest triple-bureau credit report - and the CreditXpert Credit Scores™ associated with each - every month. That way, you can view your report in its entirety throughout the year, which is essential for spotting and correcting any inaccuracies for things that are not being monitored. In addition, PrivacyGuard tracks your Experian Scorex PLUSsm credit score and alerts you of major fluctuations that could indicate either identity theft or a major occurrence on your credit files. See details.
And, all of PrivacyGuard's identity and credit protection service is backed up with up to $1,000,000 in identity theft insurance, so you can always enjoy more peace of mind with PrivacyGuard.*
For your security, simply complete the authentication process on the website after you enroll in PrivacyGuard. You cannot access your Credit Report and Scores or start your Credit Monitoring and Alerts until you verify your identity.
PrivacyGuard places all of its valuable credit protection services right at your fingertips. Best of all, you can try PrivacyGuard's credit protection - and the rest of PrivacyGuard's many benefits - right now. Sign up today, and enjoy a whole new level of credit protection today.
*Your PrivacyGuard membership includes Experian Scorex PLUS℠ and CreditXpert® Scores™. Although these scores are not used by lenders to evaluate your credit, they are intended to reflect common scoring practices and are designed to help you understand your credit. Your scores are calculated using specific algorithms and are based on information from the files at the three major credit reporting agencies. Your scores may not be similar to scores you receive directly from those agencies or from other sources
*Your liability for unauthorized use of your credit, debit, and ATM cards is limited under federal law. In addition, your card issuer's liability policy may provide for lesser liability amounts that under federal law. Consult your card issuer's terms and conditions for specific details. The policy of many card issuers is not to hold cardholders liable.
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The federal Fair Credit Billing Act gives you the right to dispute billing errors, such as unauthorized charges, on your credit card by notifying your credit card company in writing within 60 days after the first bill containing the error was sent to you. The credit card company must resolve the dispute within two billing cycles (not to exceed 90 days) after receiving your notification. You may withhold payment on the disputed amount (and related charges) during the investigation. You must pay the amount not in dispute. You will be informed in writing whether your bill is correct or contains an error. If your bill contains an error, it will be corrected.
The Identity Theft Insurance benefits are provided to all members, along with all other benefits afforded as part of PrivacyGuard, through Alliance Marketing Association (the "Association"). Upon enrollment in the PrivacyGuard service, you will automatically be admitted as a member of the Association. The Identity Theft Insurance is underwritten by insurance company subsidiaries or affiliates of Chartis Inc. (collectively, the "Company") under group policy # 7077733 for non-New York State insureds and # 1423212 for New York State insureds. The summary of policy benefits, terms, conditions, exclusions, and limits of coverage set forth in the Benefit Summary are subject to the terms of the master policy. Availability of coverage is subject to underwriting qualifications and state laws and regulations. Coverage is subject to actual policy language.
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1 Your CreditXpert® Scores™ are provided by CreditXpert Inc. Although these scores are not used by lenders to evaluate your credit, they are intended to reflect common credit scoring practices and are designed to help you understand your credit. Your scores are based on information from the files at the three major credit reporting agencies. Your scores may not be identical or similar to scores you receive directly from those agencies or from other sources.
2 Daily monitoring will notify you of any new inquiries, certain derogatory information, accounts, public records, or change of address that have been added to your credit reports as reported by any of the three major credit reporting agencies. If no information has been added or changed, then you will receive a monthly notification stating that no information has changed within your credit file.
PrivacyGuard is a service of Trilegiant Corporation in conjunction with Trilegiant Insurance Services, Inc. and Alliance Marketing Association. Trilegiant Insurance Services, Inc. does not receive any compensation from the sale of the identity theft insurance benefit included as part of the PrivacyGuard service. Any part of the service may be modified or improved at any time and without prior notice. PrivacyGuard is not available to residents of Rhode Island. PrivacyGuard and Credit Alert are registered service marks of Affinion Publishing, LLC.
