|The #1 Rated Identity Theft Protection Service|
|Get||Peace of Mind|
|in a matter of minutes|
|Sign up once – Get 3 credit services|
|$1,000,000 ID Theft Protection*
||Real-Time Credit Monitoring
||Get Your Scores From All 3 Bureaus
|Start your 2-week free trial >|
|Easy cancelling process if you don’t want to continue with your enrollment.|
†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.
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:
* Credit 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 credit report monitoring subscription will help you to fight identity fraud and theft!
Q. Am I hurting my own credit score if I enroll in a credit report monitoring service?
Q. Which credit bureaus are used in your credit monitoring services?
Q. Can you explain the FICO score?
Q. What is a good FICO score?
Q. Is there a difference between a credit report and a credit score?
Q. What is a credit file disclosure?
Q. How do mistakes get into my credit reports?
Q. Can I use a credit monitoring service to dispute things on my credit report that are wrong?
Q. How frequently should I check my credit reports?
Q. I want the credit card companies to stop sending me offers. What can I do?
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 a credit monitoring service is 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. We try to do our best to bring you up to the date information on all things credit, and how our credit monitoring services can help you to maximize your credit.