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Protect your personal credit—
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IDENTITY GUARD® CREDIT ESSENTIALS® includes the most comprehensive personal credit monitoring and privacy protection solutions available today. We give you tools, such as three-bureau monitoring and identity theft insurance, to help you safeguard your personal credit and your identity—so you can focus on your business. As a member, you receive:
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| With our 3-in-1 Credit Report, you get unlimited access to a consolidated report of your credit history with data from Equifax®, Experian® and TransUnion®. Your personal 3-in-1 credit report gives you a comprehensive view of your credit history and makes it easier for you to verify the accuracy of the information at each credit reporting agency. |
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| Your Credit Scores, compiled with data from Equifax, Experian and TransUnion, provide a snapshot of your creditworthiness, along with positive and negative factors that impact your credit scores, score comparison to the national average and suggestions for improving your credit scores. |
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Daily monitoring and NOTIFY EXPRESSSM alerts help you detect the early warning signs of fraudulent activity. We monitor your credit files at all three credit reporting agencies every business day and alert you when we detect certain activities, including:
- New accounts
- Changes to existing accounts
- Inquiries
- Address changes
- New public records or changes to existing public records
Plus, with the convenience of e-mail alerts, you can review and respond to suspicious activity fast! |
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In addition to daily monitoring, we provide you with a comprehensive Quarterly Credit Update, so you can track your credit history over time. Your Quarterly Credit Update includes:
- A summary of changes in your personal credit files as reported to all three credit agencies
- A summary of accounts that have not seen any significant change
- Updated credit scores compiled with data from all three agencies
Reporting of credit information to the credit bureaus is voluntary, so information may not be reported to all of them or updated in a timely manner. Your Quarterly Credit Update includes any information that is reported as new or changed in the following categories:
- New accounts opened
- Inquiries made
- Address changes
- Identification information changes
- Public record items (such as judgments or bankruptcies)
- Collection accounts
- Certain changes to existing accounts
- Closed accounts
- Items removed
- Credit limit increases
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Ever wonder how opening a new account, paying off a loan or paying off existing debt might affect your credit scores? Now you don't have to guess! Just log in to your member website to access our Credit Analyzer, a "what if?" tool that helps you predict how your credit scores might change. Credit Analyzer can improve your understanding of your credit scores 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.
- And much more!
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Help When You Need It
Understanding your credit and fighting fraud can be confusing. Our Customer Care Representatives are available to help you when you need it (Monday–Friday 9 a.m. to 9 p.m. ET) to provide the personal assistance you expect.
Our Fraud Resource Center and Fraud Specialists are your powerful allies after a fraud or identity theft event. Not only will they walk you through all the steps required to restore your credit, but they also:
- Contact the three leading consumer credit reporting agencies on your behalf to place a Fraud Statement in your credit file.
- Assist you in contacting the affected creditors and law enforcement agencies.
- Assist you in filing disputes with the credit reporting agencies.
- Send you a Fraud First Aid Kit containing important contact phone numbers and addresses, and a Contact List that you can use to keep track of the contacts you make when trying to clear your credit and name.
We also have Customer Care Representatives on hand, trained to answer your questions about your member benefits, credit report, credit score, insurance and other concerns. |
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Millions of Americans fall victim to identity theft each year. We help you avoid the pitfalls by monitoring your personal credit every business day. No one can prevent identity theft. We give you peace of mind with protection that helps even if you do become a victim of this growing crime.
Your membership provides up to $20,000 reimbursement (after $250 deductible) at no additional charge to you for certain expenses associated with identity theft, including:
- Lost wages (up to $500 per week for a maximum of four weeks) as a result of time taken off from work to deal with the fraud. Lost wages must occur during the policy period.
- Notary and certified mailing costs for completing and delivering fraud affidavits.
- Loan application fees for re-applying for loans when the original application is rejected solely because the lender received incorrect information due to an identity theft.
- Long distance phone charges associated with re-establishing your identity.
- Attorney fees incurred (with prior consent) for defending suits brought incorrectly by merchants and their collection agencies, for removing criminal or civil judgments wrongly entered against an Insured Person, and for challenging any information in a consumer credit report.
Insurance underwritten by Travelers Casualty and Surety Company of 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.
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| For all this protection, plus the business credit services and resources that only IDENTITY GUARD® CREDIT ESSENTIALS® can offer, ORDER NOW! |
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