You are entitled to receive one free credit report from each of the three major credit bureaus, once per year. Please go to www.annualcreditreport.com and follow their instructions closely. Since the credit bureaus are in the business of selling these reports, they are not too happy about giving them away for free. The only reason that they are doing so is to comply with the government's order due to their shoddy job of maintaining your records. Therefore, while they are giving them to you for free (the report is free, not the scores) they do not make it as easy as possible to get them. Please pay attention to their instructions! By the way, we don't need their scores so don't buy them if you do not want them either. However, you might want them for comparative purposes.
If you have any trouble getting any of the three reports downloaded (not unusual) call 1-877-322-8228 and you will be able to order the report needed to be mailed to you (in about 2 weeks) also free of charge.
Your credit report is one of the most important documents in your life and the one that directly impacts your life on a daily basis. Yet most Americans have no idea of what is in their credit report. We recommend a credit monitoring service that allows you to immediately access and monitor your credit reports at all three credit bureaus.
Receive unlimited, online access to your credit report(s) and score(s) in an easy-to-read format. The IdentityIQ Protect Max program, allows you to refresh your report once every 30 days. Review your unique credit score(s) based on information from each credit bureau Credit Bureau Monitoring & Email Alerts Daily credit file monitoring, combined with prompt email alerts, lets you know about changes to information in your file(s) that could signal fraud.
IdentityIQ helps you determine if you need fraud alerts. Using fraud alerts requires creditors, lenders, and other users of your credit report to verify your identity before they can issue new credit, arrange loans or create new accounts for utilities and other financial institutions.
Every three seconds an identity is stolen. Identity theft affects one out of every thirty Americans and the odds of becoming a victim are increasing. Over 253 million identities have been compromised through data breaches. Identity thieves can access personal information in many ways, even from trusted sources we assume are secure, like merchants, insurance companies, payroll companies, employers and banks. When consumers are taking the proactive step to reduce debt and repair their credit history, the last thing they need is to have it all damaged again through no fault of their own. That is why protecting their identities is so important during and after the credit counseling and credit repair process.
Also included $25,000 ID Theft Insurance.
Lost Wallet Form
Credit Score Simulator
offers your insight into the various elements that affect your credit score and guides you in making responsible financial decisions.
Credit Score Tracking plots your Experian credit score on a graph each month so you can see trends over time. You can also set a personal credit score goal, access expert tips to achieve it, and monitor your progress. Checking Account Report An excellent complement to our suite of credit products, the Checking Account Report allows you to see offer your insight into the various elements that affect your credit score and guide you in making responsible financial decisions. if any of your checking accounts have been reported to the Chex System for unpaid fees, overdrawn accounts, suspected fraud, or any other reason. A flagged account can be a strong indication of fraudulent activity.