Site & Technical Questions

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When can I begin using my benefits?
When can I begin using my benefits?
You can begin using PrivacyGuard as soon as you enroll.
How long does it take to receive my credit report?
How long does it take to receive my credit report?
After your identity is verified, you will receive your online credit report within seconds of requesting it.
As a PrivacyGuard member, do I need to pay for my credit report each time I request it?
As a PrivacyGuard member, do I need to pay for my credit report each time I request it?
PrivacyGuard members are entitled to receive a new credit report every 30 days at no additional charge.
Can you make corrections to my credit report?
Can you make corrections to my credit report?
No. Only the appropriate institution can change your records. However, PrivacyGuard provides members with printable dispute forms as well as toll-free assistance in helping you to understand your reports.
How secure and confidential is your website?
How secure and confidential is your website?
The PrivacyGuard website runs on a highly secure web server. Also, the SSL connection scrambles or encrypts data on pages where secure information is transmitted, further safeguarding your information while it passes through cyberspace. In addition, PrivacyGuard meets the requirements of both the VeriSign and Cybertrust security seals.

PrivacyGuard ensures that your information remains confidential between you and the respective credit agencies. For more information, please visit our Privacy Policies.

How do I cancel my membership?
How do I cancel my membership?
Contact customer service toll-free at 1-800-374-8273, email service@privacyguard.com, or visit www.privacyguard.com.
What is your Privacy Policy?
What is your Privacy Policy?
To view our Privacy Policies, please visit our Privacy Policies page.
Where do you get the information for the comprehensive credit report?
Where do you get the information for the comprehensive credit report?
The information in your credit report is compiled from the three national credit reporting agencies: Experian, TransUnion and Equifax. The information is merged into one easy-to-read report, which gives a complete picture of your credit history. All information is kept strictly confidential.
Do you have a copy of my reports?
Do you have a copy of my reports?
No. The transaction remains confidential between you and the national credit reporting agencies.
How long will my online credit score be available?
How long will my online credit score be available?
You will have access to your credit score for 30 days. After 30 days, a new credit report will be available for viewing.
Where can I find my membership number?
Where can I find my membership number?
Your membership number can be found in your membership materials or in the welcome email that was sent to you after you enrolled in PrivacyGuard. If you have not received this email, please call customer service to obtain your member number.
Are CreditXpert® Scores™ used by lenders?*
Are CreditXpert® Scores™ used by lenders?*
Your CreditXpert® Scores™, although different from the scores lenders use, are intended to reflect common credit scoring practices. They are designed for educational purposes to help you understand your credit. There are many different credit scoring companies, each with its own formula for calculating credit scores. In turn, each lender may not use the same score for determining a person's creditworthiness. PrivacyGuard provides members with access to their personal CreditXpert Scores. Your CreditXpert Scores are based on the data contained in your credit reports to provide an assessment of your credit.

*Your PrivacyGuard membership includes Experian Scorex PLUSSM 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

Why was I unable to access my credit report?
Why was I unable to access my credit report?
PrivacyGuard often delivers online credit reports in seconds. But there are instances when we are prohibited from doing so. These include:
  • We are unable to verify your identity. Before receiving your credit report, you must complete an authentication process. If some or all of these verification questions are answered incorrectly, you will have the option of going through further verification over the phone with a trained representative from our Credit Information Hotline.
  • The credit reporting agency does not have adequate information on file to compile a credit report. Individuals with little or no credit history will generally not be able to view a report.
  • We are experiencing a temporary technical issue.
  • One of the three credit reporting agencies is temporarily down.
I forgot my Username and Password. What should I do?
I forgot my Username and Password. What should I do?
Click on "Member Login" at the top right-hand side of the homepage. Next, click on "Recover Here" underneath "Forgot Username?" on the right column of the Member login page. Next, complete the required fields.

Your username and/or password will be emailed to your address on file.

What is your authentication process and what happens if I don't get authenticated instantly?
What is your authentication process and what happens if I don't get authenticated instantly?
For your protection, if your identity cannot be authenticated you will have the option of going through further verification over the phone with a trained representative from our Credit Information Hotline.
Why can't I use the calculators and/or the What-If-Simulator tools on the website?
Why can't I use the calculators and/or the What-If-Simulator tools on the website?
Some tools require that you have Java Virtual Machine (JVM) browser plug-in installed on your computer. You can download the plug-in at this location: www.java.com/en/download/index.jsp
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