Score Tracker with Score Alerts
Your credit score is a representation of how responsible you are with credit. Paying your bills in a timely manner and keeping your debt to income ratio low can have a positive impact to your score. Things that negatively affect your credit score are late payments, a small amount of available credit, loan defaults or bankruptcy filings. If an identity thief or other criminal obtains and misuses your personal information, the fraudulent charges they make can also cause your credit score to drop. PrivacyGuard's credit score tracking enables you to easily see fluctuations to your credit score throughout the year and alerts you of significant changes that could be an indicator of fraud.
Credit Score Tracking
Every month PrivacyGuard's credit score tracking tool — called Score Tracker — plots your VantageScore credit score so you can see how any recent credit activity is impacting your credit profile. See details. In addition, Score Tracker will send an alert to you if your credit score has made a dramatic change or reaches one of your designated milestones. A drop in your score may be the sign of identity theft or an inaccuracy in your report that needs to be rectified, or it may simply be the result of a recent refinancing project that you've done. Conversely, a significant increase may mean you're making smart financial decisions about your credit. Either way, PrivacyGuard's credit score tracking makes it easier to stay on top of your credit picture and see your progress over time.
Managing Your Credit Score
In addition to credit score tracking, PrivacyGuard offers an array of tools to help you acquire and maintain a strong credit profile. As a PrivacyGuard member, you can receive your latest triple-bureau credit report compiled from the three national credit reporting agencies — Equifax, Experian and TransUnion — and your VantageScore credit scores associated with each one. Since each credit reporting agency acts independently from one another, the information they may have on you could be different. So it's important to review all three reports and VantageScore credit scores throughout the year to ensure that your entire credit profile is accurate and up to date. See details. Plus, PrivacyGuard's daily credit monitoring scans your credit files each day and alerts you of certain changes that could impact your score. 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.
PrivacyGuard's credit score simulator and financial calculator suite enable you to see how making a few changes in your payment habits could affect 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, PrivacyGuard is there to help, with toll-free support and assistance to help you every step of the way.
Getting Started with PrivacyGuard
Getting started with all of PrivacyGuard's benefits takes just a few seconds. Best of all, you can try PrivacyGuard's credit score tracking tool — and enjoy all of the other benefits PrivacyGuard offers — when you sign up. Sign up today, and start making the most of your credit.