FICO Quarterly Monitoring

FICO Quarterly Monitoring

Protect your financial health

We provide quarterly credit score monitoring for peace of mind. Get four FICO® Scores and credit reports yearly, and daily ID monitoring to provide the ultimate identity protection.



monitor FICO Score changes

Credit Monitoring for your FICO Score

Regular check-ups through credit monitoring protect your score

Our quarterly credit monitoring will reveal changes to your credit report that can affect your credit score. We’ll pull your credit report and FICO Score every three months and track it for you online so you can always know what's happening with your FICO Score. Tracking essential components of your credit score such as "problem accounts" or the "total balances owed on your accounts" can help you spot the trends in your credit profile which may be affecting your FICO Score.

  • Credit monitoring every 3 months
  • Six easy-to-understand charts tracking quarterly changes in your credit score, account balances, credit inquiries and negative account statuses

FICO Score analysis

Information exclusively generated based on your FICO Score & credit report data

Access to information exclusively generated for you based on your FICO Score and credit report data. Get a full explanation of your FICO Score as well as understand the actions which impacted your score.

  • Understand the factors affecting your FICO Score

FICO Score Simulator

Take control of your financial health

The simulator puts you in control and lets you make informed decisions on spending. See how applying for loans, making a big purchase or paying down balances may impact your FICO Score and affect your financial health. Identify and continue positive spending trends to achieve a higher score, which can lead to greater financial savings.

This simulator analyzes your personal credit information and answers questions such as, "What happens to my FICO Score if I pay off a credit card or open a new account?"

The FICO® Score Simulator shows how your FICO Score from TransUnion can change when you:

  • Pay your bills on time for many months
  • Miss a payment
  • Pay down your debt balances right away or monthly
  • "Max out" your credit cards
  • Get a new mortgage, auto loan, credit card
  • Get instant credit at a department store
  • Transfer balances to a new credit card
  • Declare bankruptcy

Credit report details

Personal Identity Data Monitoring

Protect your identity

11.6 million Americans are affected by identity theft annually. To reduce your potential exposure to identity theft, we conduct daily monitoring of online sources where social security number, dates of birth, addresses, phone numbers could be found, traded or sold. Alerts are provided for the purpose of giving you an early notification when a change is detected on your personal identity data.

Here is a summary of the data sources monitored for information tied to your identity:

  • Publicly recorded changes to name, date of birth, or social security number
  • Newly listed addresses, phone numbers and employers
  • Newly opened accounts and recent applications for new credit
  • Newly listed public records, such as bankruptcies, foreclosures, and tax liens
  • Newly listed collection company records

Alerts via email and mobile (SMS)

Provide peace of mind

We are monitoring your identity information daily and will send you immediate alerts via wireless text message when a change is detected on your personal identity data.

We’re monitoring your identity information daily and your FICO® Score and credit report quarterly. Reduce your exposure to identity theft with immediate alerts via mobile text message when a change is detected.

  • E-mail alerts when changes in public information are detected
  • Archive of past alerts
  • Checklist to help you review your credit report for signs of ID theft
  • Option to receive weekly E-mail updates whether changes are detected or not
  • Simple and easy-to-use
  • Secure, instant online access
  • Alerts interpretation guide

FICO Score analysis

Identity Theft Insurance

Minimize your losses

Whether its financial loss due to identity theft or time spent recovering from identity theft, we have you covered with identity theft insurance coverage up to $25,000 (no deductible) from American International Group, Inc*. See an Identity Theft Insurance sample summary of benefits for additional information and limitations.

  • Up to $25,000 identity theft insurance policy at no additional cost*
  • No deductible
  • Reimbursement for expenses and time spent recovering from identity theft

FICO Score analysis

Identity Theft Assistance

Resolution assistance in the event you become a victim of identity theft

If identity theft strikes you, as part of the identity theft insurance, identity theft specialists will provide you with a kit that will guide you in filing a police report and a complaint with the Federal Trade Commission, as well as placing a "fraud alert" on all three of your credit reports to help prevent further damage to your credit.

  • Toll-free helpline, 5-day-a-week, attended by knowledgeable staff who can provide you with the tools to help you resolve ID theft
  • Resolution tools provided: Dispute letters for lenders, Necessary forms, instructions, ID theft worksheet

 

Discounted FICO Scores & Credit Reports

  • FICO Quarterly Monitoring includes a FICO Score and TransUnion Credit Report every 3 months. Additional FICO Score & Reports powered by TransUnion data can be purchased at a 20% discount.



* Identity Theft Insurance underwritten by insurance company subsidiaries or affiliates of American International Group, Inc. 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.


myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.

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