4/11/2023 0 Comments Privacy guard credit score![]() Many services like IdentityForce®, PrivacyGuard™ and Experian IdentityWorks℠ incorporate both features - identity theft protection and credit monitoring - to give you holistic coverage. Personal information on the dark web, such as your social security number, email address and passwords.New address or name changes to your credit file.Balances and payments on your credit products.Hard inquiries on your credit report, such as someone applying for credit in your name.The exact activity a credit monitoring service reviews varies, but it typically includes the following: Granted, you can do this on your own, but these services provide an automated and faster way to track changes to your credit file in real-time. They track the credit history shown on your credit report(s), then alert you of changes via email, text or phone. Credit monitoring service usually don't look for these kind of actions, primarily because they don't appear on your credit report.Ĭredit monitoring services do just what the name says - monitor your credit. By taking preventive steps, you can help protect your credit.Identity theft protection services alert you when your personal information is being used in a wide range of fraudulent activities - whether that's someone using your medical ID number to file a claim or your driver's license appearing on the web. You can also consider enrolling in credit monitoring services, which will alert you to changes in your credit that may indicate fraud.Ĭredit card fraud, identity theft, and administrative mistakes can happen to anyone. To help protect your credit, find out if your credit card issuer offers email or text alerts. You may need to close your current account and open a new one to avoid further fraudulent charges. If someone used your credit card without your permission, making you a victim of fraud or identity theft, contact your financial institution immediately. If you notice any suspicious charges, contact the company right away. If you have a credit card account with online access, check your account regularly between statements to promptly identify any unauthorized charges. ![]() In addition to checking your credit report, reading your credit account statements each month can also help. ![]() Don’t worry, requesting your score or reports in these ways won’t affect your credit score.
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