3 Scores & Reports from all 3 Bureaus

$1,000,000 ID Theft Protection*
3 Bureau Credit Monitoring

Get a FREE 7 Day Credit Report, Credit Score and Credit Monitoring from Bestcreditreports.com

^†TOTAL PROTECTION – Premium Credit and Identity Monitoring Service! If you do not call to cancel your membership within the 14-day trial period, you will be billed $17.99 monthly thereafter. You may call to cancel your membership at any time.

*Insurance underwritten by National Union Fire Insurance Company of Pittsburgh, Pa. The description herein is a summary only. It does not include all terms, conditions and exclusions of the policies described. Please refer to the actual policies for complete details of coverage and exclusions. Coverage may not be available in all jurisdictions and is subject to actual policy language. Credit scores are based on data provided by Experian, Equifax, and TransUnion.

(C)2011 INTERSECTIONS, IDENTITY GUARD, MOBILE LOCKBOX and PRIVACYPROTECT are trademarks or federally registered trademarks of Intersections Inc. Other trademarks are trademarks of their respective owners.

Get Your Score PLUS Your Grade

Understand your credit status better with our
easy-to-use report card style grade. PLUS,
see where you rank with the rest of the
nation.

Get Alerts Sent Right to Your Inbox

Protect yourself with email alerts from
ALL 3 bureaus that could indicate identity theft.*

Thank You…

“Your monitoring service has allowed me to stay up to date and monitor my credit reports. Unlike other companies that offer 1 report, I was able to check all 3. When I received an alert, I contacted the bank and got it resolved easily.”

Thank You, Jason, NC

HOW YOU BENEFIT:

Our best selling credit monitoring and identity protection service at only $17.99/month gives you a TOTAL PROTECTION – Unlimited access to your 3 credit scores and reports
A detailed analysis showing what is affecting your score
Monitoring for certain suspicious activity, plus alerts
Lost Wallet Protection
$1 million identity theft insurance* (with no deductible)
Unlimited toll-free personal customer service

Why Check Your Credit Report?

Were you aware that you have 3 different personal credit reports? Each of these three credit reports can have different sets of information. This is because there are three bureau agencies namely Experian, TransUnion and Equifax to which your lenders and creditors report data to. Each lender/creditor reports to one or two of the above mentioned 3 credit report agencies. So in order to manage a good credit profile, you need to view all three credit reports on a regular basis. You can do this by making use of our monitoring service.

Some Credit Report and Monitoring FAQ’s

Q. I was turned down for credit. How can a credit monitoring service help me?

A. The Equal Credit Opportunity Act gives loan applicants the right to an explanation for the refusal within 30 days. Within 60 days, the applicant may secure a free credit bureau report from the reporting agencies.

Enrolling in our monitoring service will give you access to all three of your reports and credit scores. Our easy to read reports and scores will inform you of what areas of your credit you need to improve.

The following are some of the benefits of a monthly subscription:

* Monitoring of 3-Bureau Credit Reports
* 3 Credit Scores
* Quarterly Credit Updates
* Personal ID Risk Assessment®
* $1 Million ID Theft Insurance at no extra cost
* Internet Surveillance
* Lost Wallet Protection
* Personal ID Theft Response Team

Signing up for our monthly report monitoring subscription will help you to fight identity fraud and theft!

Get More info on Credit Monitoring in our learning center

Q. Am I hurting my own credit score if I enroll in a credit monitoring service?

A. No, the use of a credit monitoring
service or individually checking your scores does not affect your credit score in any way. You may check your credit score as often as you like.

Q. Which credit bureaus are used in your credit monitoring services?

A. We use the major three: Equifax, Transunion, and Experian. All three issues a separate report and generates a separate score. Our credit monitoring service will obtain a report from each to give you a full understanding of your credit history. When enrolling in a monitoring service it is very important to monitor and have access to all three reports!

Q. Can you explain the FICO score?

A. The scoring system was developed by the Fair Isaac Corporation as a measure of credit worthiness. Five different types of data are used to determine the calculation: payment history, amount owed, length of credit history, new credit, and types of credit utilized.

Q. What is a good FICO score?

A. The FICO score range is 300 to 850 with the majority of individuals falling between 600 and 800. The most favorable interest rates typically go to those people with a score of 720 or more, but anything over 650 is considered “good” and people with scores of 620 routinely qualify for loans. Those with scores below 620 are considered “sub-prime,” meaning they will face higher interest rates on any loans they obtain. Lenders are free to use their own criteria for judging a credit score as either good or bad.

Q. Is there a difference between a credit report and a credit score?

A. A credit report is simply a compilation of an individual’s borrowing history. While you will want to carefully review the items listed and work to correct errors or to remove outdated entries, the lender generally is more interested in the credit score, which is the number between 300 and 850 that places a value on your credit worthiness. By reviewing your reports carefully, you can improve your credit score, which is really the most critical item line when it comes to applying for a loan.

Q. What is a credit file disclosure?

A. That is the terminology credit bureaus use to describe your credit report.

Q. How do mistakes get into my credit reports?

A. Some common mistakes occur when individuals apply for loans with variations on their names — Tom Smith on one application and Thomas Smith on another. Handwritten applications can lead to transcription or typographical errors, a Social Security number may be entered incorrectly, or loan and credit card payments may be applied to the wrong account.

Q. Can I use a credit monitoring service to dispute things on my credit report that are wrong?

A. Yes, by enrolling in our monitoring service you will be able to view all three credit reports and identify any errors continually. If you report something that is wrong or incomplete on your credit report, the bank or credit card company, by law, has to correct the item.

Q. How frequently should I check my credit reports?

A. Experts recommend a thorough review of your reports as often as every month. The information changes often, and you will always be in better shape by clearing up mistakes quickly.
With a subscription to our monitoring services, we do the work for you. You will be notified of any change to your credit report within 24 hours!

Q. I want the credit card companies to stop sending me offers. What can I do?

A. Creditors get lists of consumers who fall within a certain credit score range and market to them as “pre-approved.” Consumers can opt out of all such offers for five years or forever by calling 1-888-5-OPTOUT (1-888-567-8688) or by visiting optoutprescreen.com.

Q. Why should I enroll in credit monitoring?

Before sanctioning a loan, lenders get credit report data from all the three credit bureaus to find out how you have utilized your credit in the past. They decide the interest rate to levy on your loan purely based on these three credit report records. Obtaining and viewing your reports on a regular basis can help you maintain a healthy credit score. And a healthy score can help you get loans at very low interest rates. This way you can save a lot of money by investing a very low rate to obtain and view credit report.

Second important reason why you need to monitor your personal 3-in-1 credit report is to ensure that the reports are accurate. This is because there are chances that your personal reports may contain inaccurate data. Checking your credit-reports in all three agencies can help you identify and dispute inaccurate information and also help you fight instances of fraud and identify theft.

Q. What information is contained in my credit reports issued by a credit monitoring service?

1.) Consumer Information: This section of your personal credit report contains general information like your name, date of birth, residential address and employer information. Make sure that this information is accurate

2.) Consumer Statement: The 3 credit reports consumer statement is the message you have asked the organization to place on the report. This message could be because of fraud alert, disputes or late payments that might have occurred in the past

3.) Credit History: The history section of your personal credit report is the most important. Make sure to read and understand this section properly. This section contains information about debts you have taken and your obligations. Lenders check this section to access risks of offering a loan to you

4.) Public Records: If you have past records of bankruptcy, judgment filings or tax liens, you will find that in this section

5.) Inquiries: If you want to find out about the Companies who have requested access to your personal reports in the last two years, you will find that in this section.

6.) Creditor contacts: This section in the three credit reports contains contact addresses and phone numbers of your creditors. You can use this information to get in touch with a creditor if you need one. This is the final section in your credit report.

7.) Our credit monitoring services delivers your reports in the most user friendly format on the web!

Find more information in our credit monitoring visit the learning center

Our credit monitoring learning center gives you complete information on how to get credit report from all 3 credit bureaus, how to dispute errors and many more tips.
Q. Where can I learn more information and keep up to date on topics related to my personal finance?
You can read our articles in the learning center for a broad overview of topics. Or for timely up to date information keep your eyes and bookmarks on our blog, which we tend to update on a daily basis.