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when you try PrivacyGuard®
  • Access to your 3 Credit Scores as developed by CreditXpert, Inc. which are designed to help you understand your credit. Although different from the scores lenders use, they use the same credit bureau data and are intended to reflect common credit scoring practices.
  • Daily 3 Bureau Credit Monitoring strengthening your defense against credit fraud and identity theft.
  • Alerts of New Accounts, Credit Inquiries and more with quick notification by text, email or phone when certain changes occur in your credit files.
  • Identity Fraud Support Service
  • Online Credit Education Center
  • Credit Score Simulator lets you see at a glance how certain changes to your credit practices could impact your credit scores.
  • Delivered to you online quickly and securely

Credit Report and Credit Score

In much the same way that a resume displays your work experience to a prospective employer, a credit report provides prospective creditors (and in some cases employers and insurers too) with a detailed picture of your credit history. And like a resume, your credit report can influence whether you will receive what you are applying for.
Ideally, your credit report is an accurate, up-to-date reflection of your credit history. However, since we do not live in an ideal world, there are many reasons that your credit report could contain inaccuracies that might prevent you from receiving the credit you deserve. The good news is you can take action to keep your report accurate. Here are the top five reasons why you should make a practice of regularly reviewing your credit reports:

Identity Theft

Identity theft is an insidious crime, involving a thief who assumes your name to open new accounts, divert your card statements to another address, and run up all sorts of bad debt without you ever knowing about it until collectors come calling. Over time, identity theft could jeopardize your ability to obtain further credit. The best way to catch a thief who is using your name is by getting a copies of your free reports, which will show you if there are accounts listed you know you have not opened. For example, if a thief has intercepted a pre-approved credit card offer in your name and sent it in with a change of address, your credit report will include the account.
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