Monthly Triple-Bureau
Credit Reports & Scores¹

Monthly Triple-Bureau Credit Score Tracking

Our Score Tracker lets you see fluctuations in your credit score month over month.

Score Tracker displays your VantageScore credit score. Your VantageScore credit score(s) are provided by VantageScore Solutions LLC. The VantageScore model, with scores ranging from 300 to 850, was developed jointly by the three major national credit reporting agencies - Experian^®, TransUnion^®, and Equifax^®. The version of VantageScore provided here is used by some, but not all, lenders. Your score(s) may not be identical or similar to scores received directly from those agencies, from other sources, or from your lender.

24/7 Triple-Bureau Daily Credit Monitoring

Help protect your credit and personal information with 24/7 monitoring of your files at all three credit reporting agencies: Experian, Equifax, and TransUnion. You'll receive alerts by text or email when certain changes occur in your credit files, which could indicate potential fraud.

Daily monitoring will notify you of certain new inquiries and derogatory information, accounts, public records, or change of address that have been added to your credit reports as reported by all three of the 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.

Public & Dark Web Scanning

PrivacyGuard monitors your current or past mailing addresses, phone numbers, email addresses, bank accounts, passport, driver's license, Social Security number, child's Social Security number and date of birth on the Internet based on a search of Internet directories; plus up to ten registered credit/debit cards, up to ten registered bank accounts, and your Social Security number on the Internet, based on an extensive search of Internet chat rooms. However, we cannot ensure that all internet directories and chat rooms have been searched for your personal information. Accordingly, we may not be able to apprise you of all of your personal information that may have been compromised.

Social Security Number Monitoring

We'll scan public records and credit header data sources to help locate and identify records associated with your Social Security number. Results are prioritized and logged, helping you determine if your information was compromised.

PrivacyGuard monitors your Social Security number in credit headers and public data sources; however, it is impossible to ensure that all public data sources have been searched. Accordingly, the high and low risk events identified by PrivacyGuard may not contain or apprise you of all instances in which your Social Security number may have been compromised.

Driver's License & Passport Monitoring

We scan internet directory sites and search engines for your monitored/registered information and will send you a notification if any of your information is found.

Bank Account Monitoring

PrivacyGuard provides 24/7 monitoring of your bank account numbers on certain web portals where thieves sell and trade stolen personal information. If your registered accounts are discovered on these web portals, PrivacyGuard will automatically send you an alert.

Debit & Credit Card Monitoring

PrivacyGuard searches various data exchanges for your information. An early warning email alert will be sent if we find that any of your monitored information is found. This can also be used as a repository of your cards should any of them become lost or stolen. You may add or update up to 10 credit/debit cards.

USPS Address Change Verification

PrivacyGuard scans internet directory sites and search engines for your monitored mailing addresses and sends you an email notification if any of your monitored mailing addresses are found.

Email, Phone, Name, DOB Monitoring

We scan internet directory sites and search engines for your monitored/registered information and will send you a notification if any of your information is found.

ID/Application Verification Monitoring

ID Verification Monitoring helps to prevent your information from being used for fraudulent activities that may result in identity theft, account takeovers, or account compromises. Should we find that your information has been used, we'll alert you within minutes and provide you with expert assistance assessing the potential threat.

The information network is comprised of many U.S. credit issuers, including credit card issuers, retailers, and telecom companies. However, PrivacyGuard's information network does not include all companies that require verification of your identity prior to providing you with a service or credit. As a result, it is possible that fraudulent attempts to verify your identity could be submitted using your personal information that are not detected by PrivacyGuard.

Public Records Monitoring

We'll monitor your public records for changes in your criminal records, bankruptcy filings, liens and court judgments, making it easier to keep your public information up-to-date and rectify potentially damaging errors.

PrivacyGuard compiles a Public Records Report and monitors your personal information on the Internet, based on an extensive search of public databases, directories, and Internet chat rooms; however, it is impossible to ensure that all public databases, directories, and Internet chat rooms have been searched for your personal information. Accordingly, your Public Records Report and monitoring alert reports may not contain or apprise you of all of your personal information that is publicly available or that may have been compromised.

Children's Social Security Number Monitoring

PrivacyGuard monitors the Social Security number for up to ten of your children who are under the age of 18 in credit headers and pre-credit data sources; however, it is impossible to ensure that all pre-credit data sources have been searched. Accordingly, your child monitoring alert notifications may not contain or apprise you of all instances in which your child's Social Security number may have been compromised. Once your child turns 18, he/she will be removed from monitoring.

The PrivacyGuard App

Take control of who you are, by taking your identity into your own hands with the help of the PrivacyGuard App. Members can manage and monitor personal information, quickly review identity alerts, and review triple-bureau credit reports and scores, as well as monthly score tracking (depending on your membership level).

Email & Text Alerts

You'll receive alerts by text or email when certain changes occur in your credit files, which could indicate potential fraud. You'll also be alerted to detections of your personal information that we find on the Public and Dark Web.

Monthly Status by Email & Text

PrivacyGuard will send you a text and/or email each month with a status of your registered/monitoring personal information.

Dedicated ID Fraud Resolution Agent

With PrivacyGuard, you have access to your own Personal Resolution Expert, just in case the unthinkable happens and you become a victim of identity theft. Your dedicated expert will work with you step-by-step in restoring your identity.

Secure Browser

Download the secure browser on your PC or mobile device to help protect you from keylogging and phishing threats that target confidential information. Safeguarding your internet browsing at home and on your mobile device will help give you peace of mind while you search, surf, share, shop, and bank online.

Secure Keyboard

The Secure Keyboard protects and keeps your personal conversations secure by encrypting keystrokes and protecting your information from Malware, allowing you to surf, share, shop, and bank with more confidence on your mobile and tablet devices.

The Secure Keyboard is compatible with iPhone and iPad. The secure keyboard requires the most current iOS and Android operating system or one prior. The iOS secure keyboard may not be supported by all mobile applications. If an application opts out then the secure keyboard cannot be used and the iOS system keyboard will be used.

Monthly Triple-Bureau Credit Reports & Scores

You'll have access to all three credit reports and scores. Reviewing your credit report is the best way to find inaccuracies that could harm your credit, as well as spot signs that your identity may be in jeopardy.

Your VantageScore credit score(s) are provided by VantageScore Solutions LLC. The VantageScore model, with scores ranging from 300 to 850, was developed jointly by the three major national credit reporting agencies - Experian^®, TransUnion^®, and Equifax^®. The version of VantageScore provided here is used by some, but not all, lenders. Your score(s) may not be identical or similar to scores received directly from those agencies, from other sources, or from your lender.

Trilegiant Corporation, Trilegiant Insurance Services, Inc., Alliance Marketing Association and their credit information subcontractors shall not have any liability for the accuracy of the information contained in the credit reports, credit scores, Credit Alert^® reports or other reports which you receive in connection with the PrivacyGuard service, including any liability for damages, direct or indirect, consequential or incidental.

Credit Score Simulator

This educational tool allows you to see how certain changes in your financial behavior could impact your credit scores, and helps you to better manage current debt or plan for upcoming purchases.

Credit Information Hotline

Our Credit Information Hotline puts you in touch with experts that can answer any questions you may have regarding your credit. This toll-free support number also provides assistance with disputing inaccuracies in your credit reports, scores, and monitoring alerts.

Financial Calculator Suite

You can simulate different scenarios using the calculators available, including: debt payoff, debt consolidation, fixed mortgage calculator, home budgeting calculator, and auto loan calculator.

Online Fraud Assistance

This convenient, online tool helps streamline the identity theft prevention and recovery process. You can choose to set fraud alerts and stop pre-approved credit offers. For those who become a victim, the online guide will provide step-by-step instructions for resolving issues.

Lost & Stolen Wallet Protection

If you discover that your credit cards are missing, PrivacyGuard can help. Our specialists will notify your credit card issuers, cancel your lost or stolen cards, and request that replacements be issued promptly.

Some financial institutions may require you to call them directly and will not accept notification from third parties in which case we will contact you so that you can call your financial institution directly.

Annual Public Records Report

Consolidates and formats data from thousands of sources, including real estate records, courts and legal records, criminal records, bankruptcies, liens and judgments, into a single report so you can see where your personal information is available to the public.

Reduced Pre-Approved Credit Card Offers

We help to reduce the amount of pre-approved offers for credit and insurance that you receive in the mail.

Neighborhood Reports

PrivacyGuard makes it easy to view detailed information about nearly every neighborhood in the United States. Review home values, demographics, crime rates, climate and pollution measurements, and more.

Registered Offender Locator

PrivacyGuard, or its service providers as applicable, do not make any representation, express or implied, that the information provided by the Registered Sex Offender Locator service is accurate. This service relies on publicly available data and, therefore, the location of all sex offenders may not be in the service's database. This service does not monitor addresses in the state of California.

Emergency Travel Assistance

PrivacyGuard member must be at least 100 miles from home and have available credit on a designated bank card. Emergency cash is charged as cash advance, and emergency airline tickets are charged as a purchase to your credit card account and both are subject to that account's finance rates.

Medical Records Reimbursement

Reviewing your medical records for errors is just as important as checking your credit reports. That's why PrivacyGuard will pay you back for the cost of obtaining copies of your records, so you can review without the cost.

Public & Dark Web Scanning

PrivacyGuard monitors your current or past mailing addresses, phone numbers, email addresses, bank accounts, passport, driver's license, Social Security number, child's Social Security number and date of birth on the Internet based on a search of Internet directories; plus up to ten registered credit/debit cards, up to ten registered bank accounts, and your Social Security number on the Internet, based on an extensive search of Internet chat rooms. However, we cannot ensure that all internet directories and chat rooms have been searched for your personal information. Accordingly, we may not be able to apprise you of all of your personal information that may have been compromised.

Social Security Number Monitoring

We'll scan public records and credit header data sources to help locate and identify records associated with your Social Security number. Results are prioritized and logged, helping you determine if your information was compromised.

PrivacyGuard monitors your Social Security number in credit headers and public data sources; however, it is impossible to ensure that all public data sources have been searched. Accordingly, the high and low risk events identified by PrivacyGuard may not contain or apprise you of all instances in which your Social Security number may have been compromised.

Driver's License & Passport Monitoring

We scan internet directory sites and search engines for your monitored/registered information and will send you a notification if any of your information is found.

Bank Account Monitoring

PrivacyGuard provides 24/7 monitoring of your bank account numbers on certain web portals where thieves sell and trade stolen personal information. If your registered accounts are discovered on these web portals, PrivacyGuard will automatically send you an alert.

Debit & Credit Card Monitoring

PrivacyGuard searches various data exchanges for your information. An early warning email alert will be sent if we find that any of your monitored information is found. This can also be used as a repository of your cards should any of them become lost or stolen. You may add or update up to 10 credit/debit cards.

USPS Address Change Verification

PrivacyGuard scans internet directory sites and search engines for your monitored mailing addresses and sends you an email notification if any of your monitored mailing addresses are found.

Email, Phone, Name, DOB Monitoring

We scan internet directory sites and search engines for your monitored/registered information and will send you a notification if any of your information is found.

ID/Application Verification Monitoring

ID Verification Monitoring helps to prevent your information from being used for fraudulent activities that may result in identity theft, account takeovers, or account compromises. Should we find that your information has been used, we'll alert you within minutes and provide you with expert assistance assessing the potential threat.

The information network is comprised of many U.S. credit issuers, including credit card issuers, retailers, and telecom companies. However, PrivacyGuard's information network does not include all companies that require verification of your identity prior to providing you with a service or credit. As a result, it is possible that fraudulent attempts to verify your identity could be submitted using your personal information that are not detected by PrivacyGuard.

Public Records Monitoring

We'll monitor your public records for changes in your criminal records, bankruptcy filings, liens and court judgments, making it easier to keep your public information up-to-date and rectify potentially damaging errors.

PrivacyGuard compiles a Public Records Report and monitors your personal information on the Internet, based on an extensive search of public databases, directories, and Internet chat rooms; however, it is impossible to ensure that all public databases, directories, and Internet chat rooms have been searched for your personal information. Accordingly, your Public Records Report and monitoring alert reports may not contain or apprise you of all of your personal information that is publicly available or that may have been compromised.

Children's Social Security Number Monitoring

PrivacyGuard monitors the Social Security number for up to ten of your children who are under the age of 18 in credit headers and pre-credit data sources; however, it is impossible to ensure that all pre-credit data sources have been searched. Accordingly, your child monitoring alert notifications may not contain or apprise you of all instances in which your child's Social Security number may have been compromised. Once your child turns 18, he/she will be removed from monitoring.

Monthly Triple-Bureau Credit Score Tracking

Our Score Tracker lets you see fluctuations in your credit score month over month.

Score Tracker displays your VantageScore credit score. Your VantageScore credit score(s) are provided by VantageScore Solutions LLC. The VantageScore model, with scores ranging from 300 to 850, was developed jointly by the three major national credit reporting agencies - Experian^®, TransUnion^®, and Equifax^®. The version of VantageScore provided here is used by some, but not all, lenders. Your score(s) may not be identical or similar to scores received directly from those agencies, from other sources, or from your lender.

24/7 Triple-Bureau Daily Credit Monitoring

Help protect your credit and personal information with 24/7 monitoring of your files at all three credit reporting agencies: Experian, Equifax, and TransUnion. You'll receive alerts by text or email when certain changes occur in your credit files, which could indicate potential fraud.

Daily monitoring will notify you of certain new inquiries and derogatory information, accounts, public records, or change of address that have been added to your credit reports as reported by all three of the 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.

The PrivacyGuard App

Take control of who you are, by taking your identity into your own hands with the help of the PrivacyGuard App. Members can manage and monitor personal information, quickly review identity alerts, and review triple-bureau credit reports and scores, as well as monthly score tracking (depending on your membership level).

Email & Text Alerts

You'll receive alerts by text or email when certain changes occur in your credit files, which could indicate potential fraud. You'll also be alerted to detections of your personal information that we find on the Public and Dark Web.

Monthly Status by Email & Text

PrivacyGuard will send you a text and/or email each month with a status of your registered/monitoring personal information.

Dedicated ID Fraud Resolution Agent

With PrivacyGuard, you have access to your own Personal Resolution Expert, just in case the unthinkable happens and you become a victim of identity theft. Your dedicated expert will work with you step-by-step in restoring your identity.

Online Fraud Assistance

This convenient, online tool helps streamline the identity theft prevention and recovery process. You can choose to set fraud alerts and stop pre-approved credit offers. For those who become a victim, the online guide will provide step-by-step instructions for resolving issues.

Lost & Stolen Wallet Protection

If you discover that your credit cards are missing, PrivacyGuard can help. Our specialists will notify your credit card issuers, cancel your lost or stolen cards, and request that replacements be issued promptly.

Some financial institutions may require you to call them directly and will not accept notification from third parties in which case we will contact you so that you can call your financial institution directly.

Secure Browser

Download the secure browser on your PC or mobile device to help protect you from keylogging and phishing threats that target confidential information. Safeguarding your internet browsing at home and on your mobile device will help give you peace of mind while you search, surf, share, shop, and bank online.

Secure Keyboard

The Secure Keyboard protects and keeps your personal conversations secure by encrypting keystrokes and protecting your information from Malware, allowing you to surf, share, shop, and bank with more confidence on your mobile and tablet devices.

The Secure Keyboard is compatible with iPhone and iPad. The secure keyboard requires the most current iOS and Android operating system or one prior. The iOS secure keyboard may not be supported by all mobile applications. If an application opts out then the secure keyboard cannot be used and the iOS system keyboard will be used.

Annual Public Records Report

Consolidates and formats data from thousands of sources, including real estate records, courts and legal records, criminal records, bankruptcies, liens and judgments, into a single report so you can see where your personal information is available to the public.

Reduced Pre-Approved Credit Card Offers

We help to reduce the amount of pre-approved offers for credit and insurance that you receive in the mail.

Monthly Triple-Bureau Credit Reports & Scores

You'll have access to all three credit reports and scores. Reviewing your credit report is the best way to find inaccuracies that could harm your credit, as well as spot signs that your identity may be in jeopardy.

Your VantageScore credit score(s) are provided by VantageScore Solutions LLC. The VantageScore model, with scores ranging from 300 to 850, was developed jointly by the three major national credit reporting agencies - Experian^®, TransUnion^®, and Equifax^®. The version of VantageScore provided here is used by some, but not all, lenders. Your score(s) may not be identical or similar to scores received directly from those agencies, from other sources, or from your lender.

Trilegiant Corporation, Trilegiant Insurance Services, Inc., Alliance Marketing Association and their credit information subcontractors shall not have any liability for the accuracy of the information contained in the credit reports, credit scores, Credit Alert^® reports or other reports which you receive in connection with the PrivacyGuard service, including any liability for damages, direct or indirect, consequential or incidental.

Credit Score Simulator

This educational tool allows you to see how certain changes in your financial behavior could impact your credit scores, and helps you to better manage current debt or plan for upcoming purchases.

Credit Information Hotline

Our Credit Information Hotline puts you in touch with experts that can answer any questions you may have regarding your credit. This toll-free support number also provides assistance with disputing inaccuracies in your credit reports, scores, and monitoring alerts.

Financial Calculator Suite

You can simulate different scenarios using the calculators available, including: debt payoff, debt consolidation, fixed mortgage calculator, home budgeting calculator, and auto loan calculator.

Neighborhood Reports

PrivacyGuard makes it easy to view detailed information about nearly every neighborhood in the United States. Review home values, demographics, crime rates, climate and pollution measurements, and more.

Registered Offender Locator

PrivacyGuard, or its service providers as applicable, do not make any representation, express or implied, that the information provided by the Registered Sex Offender Locator service is accurate. This service relies on publicly available data and, therefore, the location of all sex offenders may not be in the service's database. This service does not monitor addresses in the state of California.

Emergency Travel Assistance

PrivacyGuard member must be at least 100 miles from home and have available credit on a designated bank card. Emergency cash is charged as cash advance, and emergency airline tickets are charged as a purchase to your credit card account and both are subject to that account's finance rates.

Medical Records Reimbursement

Reviewing your medical records for errors is just as important as checking your credit reports. That's why PrivacyGuard will pay you back for the cost of obtaining copies of your records, so you can review without the cost.