FICO® Quarterly Monitoring Features:
Keep track of your TransUnion credit report and FICO® score
We'll automatically pull your report and score quarterly so you'll continually know what's happening with your credit. This is a great way to keep tabs on your credit throughout the course of a year.
See why your FICO® score matters
With each of your 4 TransUnion FICO® scores you will continue to see how your score ranks and what types of rates you might qualify for. You'll also receive an explanation of the positive and negative factors affecting your score.
Compare your credit reports quarterly
We'll continually track key elements of your credit and show you how they differ from quarter to quarter. Tracking essential components of your credit 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.
Identity Theft Insurance
Your subscription to FICO® Quarterly Monitoring also includes identity theft insurance that includes resolution assistance in the event you become a victim of identity theft. Plus, you'll receive identity theft insurance coverage up to $25,000 from St. Paul Travelers*.
- Toll-free help line – Identity theft specialists will provide you with an identity theft victim 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.
- Insurance policy – If identity theft strikes, you are covered under a $25,000, no-deductible identity theft insurance policy from St. Paul Travelers* at no additional cost to you. See an Identity Theft Insurance sample summary of benefits for additional information and limitations.
Details:
Credit Monitoring
- Quarterly FICO® credit score and report monitoring
- Weekly monitoring of 400 data sources for new information tied to your identity, including:
- New names
- New dates of birth
- New social security numbers
- New addresses
- New phone numbers
- Quarterly TransUnion credit report analysis, monitoring:
- Changes to your TransUnion FICO® score, and reasons for changes
- Changes to name, date of birth, or social security number
- Newly listed addresses or phone numbers
- Newly listed employers
- Newly opened accounts
- Recent applications for new credit
- Recent increases in account balances
- Accounts in bad status
- Newly listed public records, such as bankruptcies, foreclosures, and tax liens
- Newly listed collection company records
- 6 easy-to-understand charts that show changes in:
- TransUnion FICO® score
- Balance owed on all accounts
- Balance past due on all accounts
- Number of recent applications for credit
- Number of negative problems on credit report
- Number of accounts in bad status
Alerting and Reporting
- 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
Identity Theft Insurance
- 9-hour, 5-day-a-week, toll-free helpline attended by knowledgeable staff who can
provide you with the tools to help you resolve ID theft
- Up to $25,000 identity theft insurance policy at no additional cost:*
- No deductible
- Reimbursement for expenses and time spent recovering from identity theft
- Resolution tools provided:
- Dispute letters for lenders
- Necessary forms, instructions
- ID theft worksheet
Payment
- $4.95 monthly subscription (Cancel any time after 3 month minimum)
- $49.95 annual payment option available
(Save $9.45 over monthly subscription rate!)
- 20% discount on optional purchase of additional FICO® scores and TransUnion credit reports included
* Insurance coverage underwritten by Travelers Casualty and Surety Company
of America and its property casualty affiliates, Hartford, CT 06183. Coverage for all claims
or losses depends on actual policy provisions. Availability of coverage can depend on our
underwriting qualifications and state regulations.
