Get up-to-date look at your credit report and score every quarter, so you’ll have the confidence to negotiate improved financing or lower interest rates on your next purchase, secure that your credit bureau file is accurate.
Plus, with ongoing credit monitoring, you’ll get daily credit bureau monitoring, alerts and customer service to prevent identity thieves from committing financial fraud in your name.
Credit Report
You’ll have unlimited online access to your credit report, which is updated quarterly. This helps you evaluate your current credit rating, identify inaccurate information, and detect potentially fraudulent credit activity.
Credit Score
Quarterly updates to your credit score, provide a snapshot of your 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.
Credit Monitoring
We check your Equifax credit file 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. 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. 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 $2,500 identity theft insurance (after a $250 deductible) - at no additional cost to you - for certain expenses related to recovering from an identity theft event.
Insurance underwritten by Travelers Casualty and Surety Company for America and its property casualty affiliates, Hartford, CT 06183. Coverage for all claims or losses depends on actual policy provisions. Availability of coverage can depend on underwriting qualifications and state regulations. Coverage not available for residents of New York.