3 Bureau Credit Monitoring provides protection against identity theft by monitoring your Experian, Equifax and TransUnion credit reports for new activity. If and when any new activity occurs, you will receive an alert which has been triggered by a change in credit file. The alert will provide details on the type of activity that has triggered a change: new credit account, application for loan, application for vehicle loan, or change of address — to name a few. If you believe any recent activity is fraudulent, our Recovery Advocates are available to assist. Some creditors report events to a single Credit Bureau. In order to get an inclusive monitored status of your credit, it is important to monitor all 3 Credit Bureaus. Actively monitoring your credit reports will ensure any identity theft is recognized and with the help of our Recovery Advocates, handled properly and expediently.
Instant Inquiry immediately alerts you when a creditor requests your report at TransUnion. You will automatically receive an email as soon as TransUnion receives the request. This means that if an identity thief applies for credit in your name and the creditor requests a TransUnion credit report, you will find out as soon as the credit bureau does, allowing you to quickly identify potential fraud.
Feature |
Benefit |
Monitors your credit report for new activity. |
Provides you with peace of mind, your credit report is
being monitored 24 x 7 x 365 for new activity.
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Monitors for changes in your credit report including:
- New lines of credit in your name
- Changes to your address on file
- New inquiries related to extending credit
- Public Record and Trade line Bankruptcies
- Liens and Judgments
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And many other key changes in your personal credit
file.
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Delivers you a proactive tool to utilize in order to
effectively minimize your risk as to identity theft.
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Alerts you via text message and email regarding any recent
changes to your credit report.
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Reviewing every alert posted to your credit report will
enable you to detect potentially fraudulent activity early
on and minimize your level of exposure.
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Your Identity Care Center provides you access to all credit
alert details that occurred within the last 120 days.
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Monitoring your credit closely enables you to prevent the
escalation of any single identity theft event.
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Instant Inquiry Alerts
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Protect your identity by knowing at the time someone applies for
credit in your name. If you are not opening a new line of credit,
you can immediately contact both the lender and TransUnion to report
the possible fraud thus minimizing potential damage.
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