These products are provided in addition to any precautions you should reasonably be expected to take yourself, including protecting your account numbers, passwords, social security number and other personally identifying information. Your VantageScore 3. Click here to learn more about this. VantageScore 3. Higher scores represent a greater likelihood that you'll pay back your debts so you are viewed as being a lower credit risk to lenders.
A lower score indicates to lenders that you may be a higher credit risk. There are three different major credit reporting agencies, Experian, TransUnion, and Equifax that maintain a record of your credit history known as your credit file.
Credit scores are based on the information in your credit file at the time it is requested. Your credit file information can vary from agency to agency because some lenders report your credit history to only one or two of the agencies. So your credit scores can vary if the information they have on file for you is different. Since the information in your file can change over time, your credit scores also may be different from day-to-day.
Different credit scoring models can also give a different assessment of the credit risk risk of default for the same consumer and same credit file. There are different credit scoring models which may be used by lenders and insurers. Your lender may not use VantageScore 3. And your VantageScore 3. Just remember that your associated risk level is often the same even if the number is not. For some consumers, however, the risk assessment of VantageScore 3.
If the lender's score is lower than your VantageScore 3. The description herein is a summary and intended for informational purposes only and does not include all terms, conditions and exclusions of the policies described. Please refer to the actual policies for terms, conditions, and exclusions of coverage. Coverage may not be available in all jurisdictions. Thieves can wait years to use your stolen information Your data is at risk every day.
Experian Credit Report upon enrollment View your open and closed credit accounts, payment history, credit inquires, and more. Lost Wallet Protection Cancel and replace credit, debit, medical cards, and more with one call. Enroll Now. Experian VantageScore 3 refreshed monthly See the credit score used by some lenders to evaluate your credit worthiness. Real-Time Credit Inquiry Alerts Get informed in real time when different credit-related actions you take may affect your Experian credit file.
Real-Time Identity Alerts Notifies you in real-time via text or email if an identity thief uses your personal information to open a new account, or verify your identity. Social Security Number Monitoring Generates a report of all the names and aliases associated with your SSN, and alerts you if a new name or alias is added.
Dark Web Surveillance Scans online sources known for illegally buying and selling personal information, such as your Social Security number, and notifies you if your identity may be at risk. Change of Address Alerts Receive a notification if your mail is redirected through the U.
Postal Service. Court Records Monitoring Alerts you if a criminal act is booked or reported in the court system using your personal information. Child Identity Monitoring 5 Keep a watchful eye on your child's name and Social Security number, to spot signs of identity theft on websites known for illegally buying and selling personal information. Credit Monitoring Understand how your financial actions affect your credit by monitoring all three credit bureaus in one convenient location.
Experian VantageScore 3 refreshed monthly See the credit score used by some lenders to evaluate your creditworthiness. Positive Credit Activity Alerts Get good news when there are positive changes to your credit report, like when you pay off a credit card. Credit Limit and Usage Alerts Notifies you if there are major changes to your credit limits or usage reported in your credit files.
Dormant Credit Card Monitoring Notifies you if activity is spotted on a credit card that's been unused for 6 months or more, which could be a sign of identity theft. Social Media Monitoring Once activated, scans your social media account s and informs you if privacy or reputational risks are spotted on your profile.
Payday Loan Monitoring Get an alert if your personal information is used to take out a payday loan. Sex Offender Monitoring Provides reports on sex offenders living in your area, and notifies you if an offender tries to register with your identity. Frequently Asked Questions. What is identity theft? What are warning signs of identity theft? How do I minimize the risk of ID theft? What should I do if my identity is stolen?
You will be redirected to AAA Identity Champion, the identity protection service available in your area. Click Here if you are not redirected within 5 seconds. Some potential customers possibly prefer identity theft protection from a company not directly connected with one of the credit bureaus. There are alternatives to AAA identity theft protection. The alternatives potentially appeal to individuals considering their identity theft protection options. There are three identity theft protection levels offered by Identity Guard , each with an individual or family plan option.
Do you want basic identity theft protection? Choose the Value Plan, and receive dark web monitoring, a risk management report, an anti-phishing mobile app, and safe browsing tools.
The Total Plan from Identity Guard offers the features of the Value Plan, along with address monitoring, tax refund alerts, credit monitoring from the three credit bureaus, and your monthly credit score. The Premier Plan offers all the features of the Total Plan, along with social insight reports, and credit score and report. Identity Guard helps its customers recover their identity, and helps reimburse funds stolen through identity theft. LifeLock provides a variety of services that helps protect customers against identity theft, and helps them recover if identity theft occurs while the person is a LifeLock customer.
The company provides monitoring for threats and identity theft. There is a variety of plans, allowing customers to choose the ideal plan for their needs. The plan features hour live member support, access to U. There are several alerts provided with this plan if LifeLock detects your personal information on service or credit card applications, or if the company detects your personal information on the dark web.
Other alerts include fake personal information connected to your identity, or a change of address. Receive alerts about large-scale breaches, when your personal information shows in criminal or court records, and in event of cash withdrawals, transfers or large purchases to your credit cards, checking or savings accounts. The LifeLock Ultimate Plus Plan provides the benefits of the other plans, along with information about new bank accounts opened in your name, bank account takeovers, investment or k activity, and credit monitoring from all three credit bureaus.
IdentityForce boasts more than 40 years experience in identity theft protection. Customers receive hour support, real-time alerts, and identity recovery assistance. The IdentityForce UltraSecure plan includes bank, investment, and credit activity alerts, identity theft alerts, and address change alerts. Receive lost wallet assistance, medical ID fraud protection, advanced fraud monitoring, dark web monitoring, social media identity monitoring, and a variety of other services.
Identity Guard, Total Protection, Monitor, Protect and Recover and associated designs are trademarks or federally registered trademarks of Intersections Inc. Equifax is a registered trademark of Equifax Inc. Disclaimer: This content is not provided or commissioned by the companies referenced in this article.
We may be compensated through advertiser affiliate programs. With a decade of experience as a journalist, Derek Prall has been covering cybersecurity for seven years. He has spent more than 1, hours researching digital privacy and has covered almost topics related to VPN and identity theft protection.
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