3-in-1 Credit Bureau Report, Scores and Monitoring

Get an up-to-date look at your 3-in-1 credit report and all 3 scores every quarter with data from Equifax®, Experian® and TransUnion^sm, so you’ll have the confidence to negotiate improved financing or lower interest rates on your next purchase, secure that your credit bureau files are accurate. Plus, with ongoing credit monitoring, you’ll get daily credit bureau monitoring of all three bureaus, alerts and customer service to prevent identity thieves from committing financial fraud in your name.

3-in-1 Credit Report 

With your one-time purchase, you get unlimited online access for 30 days to a consolidated report of your credit history with side-by-side data compiled from all 3 credit reporting agencies; Equifax®, Experian®, and TransUnion^SM. This gives you a comprehensive view of your credit reporting history, and also makes it easier for you to verify the accuracy of the information at each agency.

3 Credit Scores 

Your credit scores provide a snapshot of your current creditworthiness based on an evaluation of common factors many creditors use to decide whether or not to extend credit. It outlines both the positive and negative factors that impact your credit score and compares your credit score to the national average.

3 Bureau Credit Monitoring 

We check your credit file at all three credit bureaus for activity every business day and alert you via e-mail, phone, U.S. mail, or text-enabled cell phone or pager, so you can act immediately to fraudulent credit activity. You will receive an alert when new accounts are opened, inquiries are made, or address changes occur.

Credit Analyzer

Whether you're thinking about refinancing a loan, paying off some credit card debt or applying for a new job, the online Credit Analyzer tool helps you plan for the future. See how your credit score could change by interacting with existing accounts, account balances, and credit limits.

Credit Analyzer is a real-time credit-analysis tool that allows you to create "What If?" scenarios to see how changing one or more credit variables may affect your creditworthiness. By creating the "What If?" scenarios, you'll see how changes in each of the variables may raise or lower your credit score. Simply select a scenario and begin experimenting. It's that easy! By having the opportunity to create "What If?" scenarios, you can discover the impact certain financial decisions may have on your credit score.

Credit Analyzer can help you understand your credit in many ways:

• See how applying for credit, refinancing a loan, or missing payments may affect your credit score
• Understand how your credit score can change over time
• Develop strategies for paying off existing debt and other important financial decisions

Unlimited Toll-free Customer Service

As with all IDENTITY GUARD® products, you get the security of unlimited toll-free personal customer service. Our specialists are on call via toll-free hotlines to help you validate any inquiries to your credit files, answer questions about the impact to your credit report, and help if anything just doesn't seem right.

Identity Theft Insurance

For added peace of mind, you're protected with up to $20,000 identity theft insurance (after a $250 deductible) - at no additional cost to you - for certain expenses related to recovering from an identity theft event.