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Credit Monitoring Service

If someone steals your identity and commits fraud in your name, there's a good chance some of their actions will show up in your credit files, such as opening new accounts, defaulting on payments or even changing your home address. Monitoring your credit for changes like these can provide an early warning that your information may be in jeopardy. PrivacyGuard's triple- bureau credit monitoring scans your credit files each day for certain changes and quickly alerts you if any monitored changes are discovered. See details.

Why Triple- Bureau Credit Monitoring Is so Important

It could take weeks, months or even years to discover that your credit is being misused by someone else. However, by monitoring your credit files each day with PrivacyGuard, you could find out about certain changes quickly, and receive the resources and support you need to help rectify any issues and prevent further damage to your credit.

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 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 national credit reporting agencies are recording them. See details.

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.

What Credit Monitoring Looks For

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 provides you with the 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.

Credit Monitoring and More at Your Fingertips

Monitoring your credit is only one of the ways PrivacyGuard helps your credit and identity stay safe. 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.

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.

Getting Started with PrivacyGuard's Credit Monitoring

PrivacyGuard makes it easy to start enjoying all the benefits of triple- bureau credit monitoring. Best of all, you can try PrivacyGuard's credit monitoring - and the rest of PrivacyGuard's many benefits - right now.* Sign up today, and stay up-to-date with your credit.

*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 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.