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 VantageScore 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 VantageScore 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 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.
*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.