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3 credit reports
when you try PrivacyGuard®
  • Access to your 3 Credit Scores as developed by CreditXpert, Inc. which are designed to help you understand your credit. Although different from the scores lenders use, they use the same credit bureau data and are intended to reflect common credit scoring practices.
  • Daily 3 Bureau Credit Monitoring strengthening your defense against credit fraud and identity theft.
  • Alerts of New Accounts, Credit Inquiries and more with quick notification by text, email or phone when certain changes occur in your credit files.
  • Identity Fraud Support Service
  • Online Credit Education Center
  • Credit Score Simulator lets you see at a glance how certain changes to your credit practices could impact your credit scores.
  • Delivered to you online quickly and securely

Credit Reports and Scores

Consumer credit reports are documents containing factual records of an individual's credit history. Credit grantors are permitted by law to review all 3 credit reports to objectively determine whether to grant a consumer credit. Lenders usually report consumer credit payment information to the credit bureaus. Most of the information in a consumer credit report comes directly from the companies consumers do business with.

Triple Credit Report and Score

A triple credit report contains credit report information from all 3 major credit bureaus (TransUnion, Equifax and Experian) combined into one easy-to-read report.

Triple Credit Monitoring

Triple credit monitoring is the act of monitoring your triplecreditreport for key changes like inquiries or the opening of new accounts. Such changes to your triple credit reports could be indications of unauthorized activity like fraud or identity theft. Monitoring your triple credit reports is important because your triple reports can change daily as creditors and lenders report new information about you to the triple credit bureaus. And with identity theft on the rise, it is recommended that you check your triple reports regularly for signs of fraudulent activity. Since mistakes on your triple credit report or possible fraudulent activity may affect your credit scores. Credit monitoring will check your report daily and notify you by email when key changes are detected to your three credit reports. Early detection is key to minimizing the damage that mistakes and ID theft can have on your triple credit rating. So start with your triple credit report and triple credit scores online today!