Using a daily credit monitoring service can help you keep up with certain changes to your credit report, such as when an inquiry is made on your credit or if a new account is opened. However, it's important to ensure that you are monitoring your reports at all three national credit reporting agencies - Experian, Equifax and TransUnion. That's because each agency operates separately from one another, and the information they receive and include in your 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 triple bureau daily credit monitoring - the kind PrivacyGuard provides - you can help ensure that you will be notified of certain changes regardless of which of the three credit reporting agencies are recording them. See details.
PrivacyGuard's daily credit monitoring can also help to keep you protected against identity theft and the damage it can cause. Should PrivacyGuard inform you of a change on your credit report, we can help you assess the nature of the change and whether it could be a potential threat to your identity. Should your identity be compromised, PrivacyGuard provides the resources and dedicated support you need to help you restore your good name. In addition, your PrivacyGuard membership includes up to $1,000,000 in identity theft insurance, helping to give you additional peace of mind.*
PrivacyGuard includes an array of additional services that can help you make your credit as strong as it can be. 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's credit score simulator and financial calculator suite enable you to see how making a few changes in your payment habits could impact your credit standing and discover more effective ways to pay down your debt. And, should you ever have trouble understanding anything associated with your credit files, or find an inaccuracy or potential issue, PrivacyGuard is there to help, with toll-free support and professional assistance to help you every step of the way.
*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.