3 Bureau Credit Monitoring Benefits

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Monitoring your credit files each day can help you keep up with changes to your credit files. However, it's important to ensure that you are monitoring your files at all three national credit reporting agencies - Experian, Equifax and TransUnion. That's why PrivacyGuard includes 3 bureau credit monitoring as part of its service.

Each day, PrivacyGuard's 3 bureau credit monitoring scans your credit files at the three national credit reporting agencies - Equifax, Experian and TransUnion - and alerts you of certain changes. Monitoring all 3 credit agencies for changes 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. By utilizing 3 bureau credit monitoring - the kind PrivacyGuard provides - 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.

It takes a certain type of change to your credit report to trigger a credit alert. PrivacyGuard's 3 bureau credit monitoring alerts 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 provides you with the resources and support you need to assess the change and quickly rectify it, if necessary.

Of course, monitoring your credit files for changes is only part of the PrivacyGuard story. PrivacyGuard includes an array of additional services that can help you protect your credit. For starters, you can receive your latest triple-bureau credit report - and the CreditXpert Credit Scores™ associated with each - every three months. 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.

PrivacyGuard also monitors the online black market where stolen credit card and Social Security numbers are traded and sold. If PrivacyGuard discovers your registered information (up to ten credit/debit cards) on these underground black markets, our fraud resolution team will help assist you to prevent your compromised cards from being used fraudulently. See details. And, if you ever have trouble understanding anything associated with your credit files, or find an inaccuracy or potential issue, PrivacyGuard is there to help too, with toll-free support and professional assistance to help you every step of the way. And it's all backed up with up to $1,000,000 in identity theft insurance, so you can always enjoy more peace of mind with PrivacyGuard.*

As you can see, PrivacyGuard's 3 bureau credit monitoring is credit monitoring and a whole lot more. Best of all, you can try PrivacyGuard's 3 bureau credit monitoring - and the rest of PrivacyGuard's many benefits - right now. Sign up today, and see what's going on with your credit.

*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.

Identity Theft Insurance is underwritten by insurance company subsidiaries or affiliates of American International Group, Inc., under group policy # 7077733 for non-New York State Insureds and # 1423212 for New York State Insureds. All exclusions and limitations of the master policy apply. See the Benefit Summary for details regarding such exclusions and limitations. Availability of coverage is subject to underwriting qualifications and state laws and regulations. Coverage is subject to actual policy language.

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 American International Group, Inc., (collectively, the "Company") under group policy # 7077733 and 1423212. The Benefit Summary under the master policy issued by the Company with respect to such insurance will be available to you upon enrollment in PrivacyGuard. 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.

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Our Benefits:
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  • Triple-Bureau Credit Score
  • Daily Credit Monitoring
  • CreditXpert Credit Simulator
  • Identity Theft Insurance
  • Identity Fraud Support Service
  • Norton Internet Security Online
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