Support Center

The credit service includes reports, scores, and monitoring for new changes to your credit bureau files. You will be provided with notifications for changes in a credit report such as loan data, inquiries, new accounts, judgments, liens and more.

Tri-bureau reports are available from all three major credit reporting agencies, allowing you proactively manage your financial health and monitor your identity. These reports provide credit scores and corresponding score factors (such as accounts in delinquency or new accounts opened), and rankings on what you stand in relation to other individuals.

When you know your credit score, you have access to the same criteria that banks, lenders, and even employers use in evaluating credit worthiness. Opening up lines of credit is a very common and costly form of identity theft, and monitoring your credit is the fastest and simplest way to guard against fraudulent activity taking place under your identity.

It also includes credit score plotter, this monitors for changes to your credit bureau scores and credit score simulator which allows you to simulate how much your credit score will change after completing certain actions such as defaulting on a loan or even opening a new account.

1. What is Credit Monitoring?

   Credit Monitoring includes monitoring of changes reported to all three national credit bureaus (Experian, Equifax and TransUnion). Changes monitored include personal information, public records, inquiries, new account openings, and existing accounts reported past due.

2.  What should I do if I receive a notification for something that didn’t happen? In some cases, the credit-reporting agency may commit errors on your credit file and the incorrect information may trigger a notification. Nevertheless, if you see a credit notification that is not accurate; please contact customer support.

3. How often is my credit monitored? Credit bureau notifications are generated through consistent monitoring and are distributed multiple times a day. A credit bureau file is monitored daily and any notifications triggered as a result of new inquiries and/or adjustments made to a credit file are sent to you via email.

4. What should I do if I see a mistake on my credit report? In some cases, the credit-reporting agency may commit errors on your report - the incorrect information may simply be a mistake. However, an error on your credit report could indicate that an identity theft event has occurred. If you see incorrect information on your credit report, please contact customer support.

5. Why is there a difference between my three scores? Each credit-reporting agency generates a score derived from what is reported about you. A creditor may report to one, two or all three of the national credit bureaus. As a result, the information one credit bureau has may be different than another, resulting in a different credit score.

6. What time range does my initial credit report cover? Your credit report includes data beginning from the date your credit file was first established. This could span more than 25 years.

Credit Score Updates is a widget that initially plots your tri-bureau credit scores on a graph and then charts your single- bureau credit score month-over-month so that you can easily see trends over time.

 The benefits of this service:

• An intuitive graph that displays the change in your credit score over time, giving you more control over your financial health.
• Track how your credit score changes over time for ongoing insight into your credit health.
• View your credit score regularly, without having to incur the extra cost by pulling a full credit report.

1. What does it mean if I see big changes in my credit score from month to month? Every reported item on your credit report is used to calculate your credit score. If your score has changed significantly since the last month, it may be due to the fact that an account was not reported for the month or an item has been added to or removed from your report. Drastic changes in account balances and opening new lines of credit could also significantly impact your score.

2. How many months does this service show me? The service plots your credit score for past 12 months.

Data source description: Monitors credit data from the three credit bureaus Experian, TransUnion and Equifax

Data range:

Credit header:

• 25+ years – searches back to the initial creation of the credit header file.

Credit accounts:

• Negative information remains for 7 years from the initial missed payment that led to the delinquency.
• Active positive information can remain on your credit report indefinitely (if a positive account was closed it will typically remain on your report for 10 years from the closure)’

Collection accounts:

• A collection account remains for 7 years from the date the account went into serious delinquent status, often the date of the first 180 days late.

Public records:

• Chapter7, 11 and 12 bankruptcies remain for 10 years from the date filed.
• Completed chapter 13 bankruptcies remain for 7 years from the date discharged, 10 years’ maximum.
• Tax liens remain for 7 years from the date filed if paid and remain indefinitely if not paid.
• All judgements remain for 7 years from the date filed.

Inquiries:

Inquiries remain in your credit report for 2 years (24 months). They are only credit impacting (hurt your credit scores) for the first 12 months.

Required Personal Identifiable Information (PII)

• First name
• Last name
• Address
• Date of birth
• Social security number