Is my information confidential?
Yes! Your information remains confidential between you and the respective credit agencies.

How long does it take for me to receive my reports?
After your identity is verified through our online authentication process, you will receive your online credit report within seconds of requesting it.

Can you make corrections on my report?
No. Only the appropriate institution can change your records. However, PrivacyGuard provides members with toll-free access to Credit Specialists who can help answer questions about your credit report and file a dispute with the credit reporting agencies on your behalf to correct inaccurate information.

Where do you get the information for the comprehensive credit report?
The information in your credit report comes 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?
No. The transaction remains confidential between you and the agencies.

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What is my credit score?
Your credit score is a numerical value that reflects your creditworthiness, or your ability to pay back a loan. Your score is calculated from the information on your credit report using a standard formula that analyzes your payment history, credit usage, length of credit history, bankruptcies, and more. The higher the credit score, the better. A low credit score may indicate to potential lenders that you are a bad credit risk and have trouble paying off debt, where as a higher score indicates that you handle your finances responsibly and can be trusted to pay back loans. Knowing your credit score allows you to improve your rating and obtain less costly loans.

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