Manage Your Credit Report and Credit Score

Your Credit Report

Your credit report provides a look at your credit history, from credit cards and loans to collections and other personal information. With data from all three national credit reporting agencies, PrivacyGuard is one of the best ways to manage your credit and help protect your identity.
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Your Credit Score

Your credit score gives an indication about your financial health and how much risk you pose to a lender. PrivacyGuard customers can receive their CreditXpert Credit Scores™ online within seconds.*
Get Your Credit Score »

Score Tracker with Score Alerts

See your Experian Scorex PLUSsm credit score tracked on a monthly basis. Set your own credit score alerts to be notified of specific credit score changes or milestones.*
Score Tracker with Score Alerts »

Credit Education

Your credit report and score are critical components of your financial health. Let us help you understand them, and get the basics of credit reports and scores, credit history, and learn how to make the most of these important factors.
Explore Credit Education »

* Your PrivacyGuard membership includes Experian Scorex PLUSsm and CreditXpert Credit Scores™. Lenders may use different scores and standards to evaluate a person's creditworthiness, so we cannot determine your qualification for a loan. Your scores are calculated using specific algorithms and are based on information from the files at the three major credit reporting agencies. Your scores may not be identical to scores you receive directly from those agencies or from other sources.

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1 Trilegiant Corporation, Trilegiant Insurance Services, Inc., and 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.

2 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 identical or similar to scores you receive directly from those agencies or from other sources.

3 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 one of the major credit reporting agencies. If no information has been added or changed, then you will receive a quarterly notification stating that no information has changed within your credit file.

PrivacyGuard is a service of Trilegiant Corporation in conjunction with Trilegiant Insurance Services, Inc. and Alliance Marketing Association. Trilegiant Insurance Services, Inc. does not receive any compensation from the sale of the identity theft insurance benefit included as part of the PrivacyGuard service. Any part of the service may be modified or improved at any time and without prior notice. PrivacyGuard is not available to residents of Rhode Island. PrivacyGuard and Credit Alert are registered service marks of Affinion Publishing, LLC.