close windowYour Free Credit Report Includes:

Unlimited access to your Credit Report!

Automatic email notifications of changes that occur on your credit report!

   
Your Credit Report directly affects your Credit Score!

• Credit Scores range from 300 to 850…the higher the score the more powerful your purchasing power!
  
  
• All lenders base approval on your Credit Score!
  
  
• Our CreditXpert Credit Wizard™ gives you FREE tips on how to improve your overall Score! This tool identifies the actions that can improve your score the most!

   
Subscribing to our Credit Monitoring Service allows access to the following information:

• Inquiries related to your file. The service will monitor who is probing on your credit file, which can be useful in detecting unauthorized activities.
  
  
• Address Change(s). Identity thieves have been known to change the address of a victim to their own, especially when applying for credit. The monitoring service will alert you to this activity so that if you didn't really change addresses, you will know that someone may be trying to steal your identity.
  
  
• New Account(s). The most damaging case of identity theft is opening new accounts in the victim's name. But our services will monitor any new accounts opened in your name and report this to you immediately.
  
  
• Public Records, Collections, and Liens. Credit Monitoring will monitor any changes to public records, including judgments, bankruptcies, etc.
  
  
• Bank and/or Credit Cards over limit. One of the first things an identity thief will usually do is raise the credit limit on his victim’s accounts. The credit monitoring services will monitor this activity and notify you so you can take immediate action.
  
  
• Accounts 30, 60, or 90 days past due. Unfortunately, many victims only realize that their identity has been stolen when they can't get any more credit. If there is any activity on your credit report similar to this, the monitoring service will notify you so that you can look into it further.
  
  
• Credit cards reported lost or stolen
  
  
• Security Alerts
  
  
• Civil Actions
  
  
• Trade Lines Included Bankruptcy
  
  
• Foreclosures, and repossessions
  
  
• Accounts which were settled by the creditor. Any accounts that have been recently closed will be flagged by Credit Monitoring and reported to you.

   
Your credit score is used by more than just mortgage brokers and car dealers. Even getting a cell phone or cable television can depend on your credit history.
   
Should you find inaccurate information on your credit report, use our FREE Dispute Center! If you don't catch it, a credit reporting error can stay on your account for as long as 10 years.

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