Here’s what we do:
Single-Bureau Daily Credit Monitoring: Who's checking your credit report? Because credit issuers, banks, employers, landlords, and insurance companies can legally access your credit history to determine your credit line, insurance rates, and eligibility for loans, it's important you know who's checking your record and what information is being added.
Stay informed: find out who's reviewing your credit report with our credit monitoring service, which monitors changes to your credit record on file with one of the national credit reporting agencies on a DAILY basis. We’ll notify you each day of changes to your record. We'll also send you an 'all-clear' notification if there are no changes to your credit record!
Triple-Bureau Credit Report: Get a complete picture of your credit information compiled from all 3 national credit reporting agencies – Experian, Equifax and TransUnion. Now see what banks and other institutions see when they check the national credit reporting agencies to access your credit history.
Your easy-to-read, streamlined report shows all your reported lines of credit, including bank loans, mortgages, and credit cards. Plus, you’ll see your payment patterns, outstanding balances, any public records, inquiries into your file from other institutions that have asked for a copy of your credit report within the last 6 months, and a handy credit summary with "at-a-glance" highlights.
Triple-Bureau Credit Score, Analysis & Comparison: Get a complete picture of your credit information compiled from all 3 national credit reporting agencies – Experian, Equifax and TransUnion.
Plus, get your personal Credit Score, Analysis & Comparison based on information from ALL 3 national credit reporting agencies! You’ll also get a personal credit analysis of each score that tells you what factors in your credit history are helping or hurting your credit rating. Plus, you’ll get an overall comparison of the key differences between among your scores!
You’ll also get the powerful CreditXpert What-If-Simulator so you can see how certain actions you take can affect your credit score! [Please note: Using this tool does not change your credit score or the information in your credit reports. The CreditXpert What-If Simulator™ is a simulation tool.]
Credit Score "What If" Simulator: Add the CreditXpert What-If Simulator™ tool to any credit report with score, and see how certain actions you take can affect your credit score! You can experiment with making payments, transferring balances, opening or closing accounts, making credit inquiries, and more -- up to 17 different pre-defined scenarios! Powerful and easy-to-use, the CreditXpert What-If Simulator™ gives you the information you need to make informed decisions about your credit. [Please note: Using this tool does not change your credit score or the information in your credit reports. The CreditXpert What-If Simulator™ is a simulation tool.]
Card & Document Registration: Enjoy one safe storage site to register all your credit, ATM, debit cards, and important documents. Plus, get a convenient toll-free number to cancel and replace lost or stolen cards. The Card and Document Registry service is good for your spouse and dependent children's important information, too!
Card & Document Registration: Enjoy one safe storage site to register all your credit, ATM, debit cards, and important documents. Plus, get a convenient toll-free number to cancel and replace lost or stolen cards. The Card and Document Registry service is good for your spouse and dependent children's important information, too!
 Neighborhood Reports: Get important information on almost any neighborhood in the country! Find out home values in your area, plus access neighborhood demographics, crime rates, information on the local schools and economy, and local climate measurements. See how your neighborhood compares to the rest of the region and the rest of the nation!
Driver's Record: No more wasting time in line at the Motor Vehicle Department: Come online to PrivacyGuard where we make it easy to access your Driver's Record and check it for accuracy. False violations, fines, etc. in your file can raise your car insurance rates.
Medical Record: Check your Medical Record: If you have a record, it'll show inquiries from companies that have asked to see your medical file, and let you check for incorrect information. It's important to know that the facts you provide are recorded correctly because, if they are not, you could be paying too much for your insurance.
Social Security Report: Get the official form you need to request a copy of your Social Security record. When you receive your file, you'll get a clear picture of all your Social Security earnings now and in the future, including how much you've contributed for each year of employment, and your lifetime to date. Plus, see how much you can expect to collect each month when you retire, including the higher payments for late retirement.
Mortgage Calculator: Use this calculator to generate an amortization schedule for your current mortgage. Quickly see how much interest you will pay, and your principal balances. You can even determine the impact of any principal pre-payments!
Auto Loan Calculator: This handy calculator can be used two ways! Enter your car purchase price and loan terms, and you can calculate your monthly loan payments. Or, enter your monthly payment and loan terms, and calculate your total purchase price. Use the graph options to see how different loan terms or down payments can impact your monthly loan payment. Plus, get a complete amortization schedule for your loan!
Loan Payoff Calculator: Use this calculator to start a plan to get your debt paid in full and to see how you can accelerate your debt payoff schedule. Enter you current loans and loan terms into the calculator, apply a payment to each loan, and find out the impact on your debt payoff plan!
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