|
|
| |
 |
 |
When your free online credit
report is ready, you will
receive an email containing
instructions on how to view
your credit report.
Your Username and Password
will enable you to view your
credit report and future daily
monitoring alerts over the
Internet in the most secure
environment possible. They
give you instant access to
an array of Members-only benefits
located in My
Credit Center.
|
|
|
|
|
|
With
daily monitoring, your Experian
credit file is scanned every
day to see if key information
has changed or if new data
has been added. You will receive
a notification if your service
detects that essential information
has changed on your report.
That way, you can identify
fraudulent activity early
in cases where credit activity
is unfamiliar or unauthorized.
|
|
|
|
|
|
Rest assured that the CreditCheck
Monitoring Service monitors
your Experian credit file
on a daily basis and informs
you of important changes to
your credit file. You will
be sent an email alert if
a key change(s) is detected
on your credit file. If you
are a new member, please note
that it may take up to 2-3
weeks from the date you ordered
to be enrolled in the daily
monitoring service.
|
|
|
|
|
|
The online credit report is
free from us when you try
the CreditCheck Monitoring
Service. Because
we are signing you up for
a membership in the
CreditCheck Monitoring Service,
we need to verify your credit
card information before we
can process your order. We
will perform an authorization
on your credit card, to make
sure it is valid and in good
standing, but we do not bill
your card until the 30-day
free trial period has passed.
|
|
| |
|
|
The
CreditCheck Monitoring
Service monitors your
Experian credit report and
notifies you of several important
changes to your Experian credit
file with Online Monitoring
Alerts. You'll know about
new derogatory information,
recent inquiries into your
credit, and several indicators
of possible credit fraud.
If you choose mail delivery,
you will receive printed monitoring
alerts when key changes are
posted to your credit file
or quarterly "All Clear" notifications
by mail. The CreditCheck Monitoring
Service also includes unlimited
copies of your Experian report
with your paid membership. |
|
| |
|
|
Isn’t it nice to know
you have the security of a
satisfaction
guarantee when you order the
CreditCheck Monitoring
Service? If you try
the service and decide it
is not for you, please contact
our Customer Care Center toll
free at 1-888-888-8553.
Your credit card will NOT
be charged if you cancel during
a free trial period.
If for any reason you are
not satisfied, you can cancel
anytime to discontinue the
service and stop the monthly
billing. However, you will
not be eligible for a prorated
refund of any portion of your
current month's paid membership
fee.
|
|
| |
|
|
It’s
easy to upgrade to online
delivery and there’s
no extra charge! You’ll
be able to conveniently view
your reports online, plus
you'll receive online monitoring
alerts by email that informs
you of important changes to
your credit file. Just give
our Customer Care center a
call at 1-888-888-8553
and let us know that you’d
like to access your reports
online through our secure
Web site. We’ll upgrade
your membership for free! |
|
|
|
The free credit report with
a free 30-day CreditCheck®
Monitoring Service trial membership
is a promotional offer for
first-time customers only.
If you have already tried
the program and would like
to enjoy the exclusive benefits
of the CreditCheck® Monitoring
Service, including unlimited
Free credit reports, then
please click
here to sign up for a
full membership.
|
|
|
Although the credit report
is free, the PLUS Score is
an addition that you selected
when you signed up. The PLUS
Score is not part of the special
free credit report and monitoring
service trial offer.
|
|
|
Any
reports ordered prior to you
joining the CreditCheck Monitoring
Service can be viewed by simply
clicking the My Past Reports
link in My Credit Center for
the duration of each report's
availability. |
|
|
Your
report is available online
for 30 days after it is delivered.
It’s a good idea to print
a copy for your records when
you first view it. |
|
|
|
|
|
|
|
The
3 Bureau report includes your
complete information from
all 3 US credit bureaus –
Experian, Equifax, & TransUnion.
A single-bureau report contains
your information on file at
one of those 3 bureaus. |
|
|
|
|
|
When creditors report information
to the credit bureaus, they
can choose which bureau(s)
they want to report to. Some
report to only 1, whereas
many report to all 3. When
a creditor chooses only to
report to 1 or 2 of the bureaus,
the remaining bureau(s) will
not have access to, and therefore
will not include, that account
information in your report.
For that reason, your scores
may differ among your reports.
|
|
|
|
|
|
When
creditors, landlords, and
potential employers check
your credit history, they
can pull your credit report
& score from any bureau(s).
Some only check 1 bureau;
some always check all 3. By
checking all 3 yourself, you’ll
be prepared no matter which
bureau(s) they go to. |
|
|
|
|
|
Please
read the Report
Key for the 3 Bureau Online
Credit Report. |
|
|
|
|
|
No, we don't charge your card
unless your 3 Bureau Online
Credit Report is delivered.
We will not charge your card
if:
(a)
we are unable to process your
request;
(b)
you do not pass our authentication
process;
(c)
any of the 3 credit bureau
systems are down.
Please note that when you
complete the order process,
your credit card may be authorized
for a charge, but that does
not mean that it has been
charged. |
|
|
|
|
|
After
you pass our online authentication
process, you will generally
receive your online credit
report and score within 30
seconds. However, if we are
unable to automatically authenticate
your identity, you will receive
instructions for further verification. |
|
|
|
|
|
Although we usually deliver
credit reports to our customers
within seconds, there are
some instances that prohibit
us from doing so. These include:
- When there is not
enough information
to compile a 3 Bureau
report for you. Sometimes
a credit bureau does
not return information
about a consumer.
- When we are experiencing
a technical networking
issue.
- When we are not able
to verify your identity.
Please note, that we don't
charge your credit card until
we deliver your credit report.
If we are unable to process
your request, we will not
charge you. |
|
|
|
|
|
Your report is available online
for 30 days after it is delivered.
It’s a good idea to print
a copy for your records when
you first view it. |
|
|
|
|
|
|
|
More
information about your PLUS
Score can be found
here. |
|
|
|
|
|
No,
we don't charge your card
unless we can authenticate
you and deliver your report.
If we are unable to process
your request, we will not
charge you. Please note that
when you complete our order
process, your credit card
may be authorized for a charge,
but that does not mean that
it has been charged. |
|
|
|
|
|
Your PLUS Score is calculated
within seconds, as long as
we are able to locate your
credit report. However, if
we are unable to automatically
authenticate your identity,
or your report cannot be located,
there may be a delay. |
|
|
|
|
|
Your credit score and report
are available online for 30
days after they are delivered.
It’s a good idea to print
a copy for your records when
you first view them. |
|
|
|
|
|
Your PLUS Score is a user-friendly,
consumer-focused credit score
based on the information in
your credit report. Your PLUS
Score is calculated using
a similar formula to those
used by lenders, ranging from
330 to 830, with a higher
score indicating lower credit
risk. Read
More
About PLUS Score
Developed by Experian,
a leading national credit
bureau, the PLUS Score
provides a more up-to-date
look at how your credit
score compares to that
of today’s average U.S.
consumer. The PLUS Score
is derived from information
in your credit report
and can range from 330
to 830, with a higher
score indicating lower
credit risk.
Using the latest data
on U.S. consumer spending
habits, the PLUS Score
provides the factors that
drive your score up or
down. More importantly,
since each lender uses
a different scoring method,
the PLUS Score allows
you to know where you
stand regardless of which
lender you turn to for
your borrowing needs.
|
|
|
|
|
|
|
|
We’ve
simply enhanced the look of
our credit report. The upgraded
credit report is more organized
and easier to understand so
you can stay on top of your
credit! Plus, you can upgrade
to our 3 Bureau Online Credit
Report and view your Equifax
and TransUnion credit files
as well! |
|
|
|
|
|
If you have ordered your FREE
credit report or Instant Single
credit report, it only includes
your Experian credit file.
In order to view all three
of your credit files in a
single report, you can order
your 3 Bureau Online Credit
Report and see it in seconds.
You'll also get a FREE credit
score based on your Experian
credit report.
Log
in to order your 3 Bureau
Online Credit Report now!
|
|
|
|
|
|
The User Guide for the Instant
Single Credit Report can be
found
here. |
|
|
|
|
|
No, we don't charge your card
unless we can authenticate
you and deliver your report.
If we are unable to process
your request, we will not
charge your card. |
|
|
|
|
|
You will generally receive
your online credit report
in 30 seconds. However, if
we are unable to authenticate
you online, you will receive
instructions for further verification.
|
|
|
|
|
|
Your report is available online
for 30 days after it is delivered.
It’s a good idea to print
a copy for your records when
you first view it. If your
report has expired, you can
either order a new report
or sign up for the CreditCheck®
Monitoring Service and receive
unlimited free reports with
your paid membership. |
|
|
|
|
|
|
|
Yes, the process of sending
and receiving your information
is encrypted using Secure
Socket Layer (SSL) encryption.
This technology helps ensure
that your credit card information
is protected. Preferred web
browsers are: Netscape 3.0
and later or Microsoft Internet
Explorer 3.0 or later.
Our company has passed the
rigorous security screening
processes set up by ICSA and
the credit reporting agencies,
and we have also partnered
with VeriSign, Inc. To read
more about our security measures,
see our security
page. |
|
|
|
|
|
The information that you provide
is used to verify your identity.
This information remains on
our secure database to ensure
confidentiality of your request.
Additionally, we remove the
credit report from our database
after 30 days. (The credit
reporting agencies will always
keep your record, of course).
We do not resell or provide
your credit information to
any third-party marketers.
Please see our privacy
policy for full details
about how we protect the information
you submit to us. |
|
|
|
|
|
Anytime your credit report
is pulled - including when
you order a copy of your credit
report directly from the credit
bureau - an inquiry is added
to your report. Only some
of those inquiries appear
to creditors and therefore
impact your credit rating.
Inquiries that were made for
credit cards or loans for
which you applied will be
shown to creditors. Inquiries
added when you request a copy
of your credit report or when
an employer checks your credit
report do not appear to creditors.
ConsumerInfo.com is
pulling your credit report
on your behalf, so the inquiry
on your credit report will
not be shown to creditors
and
will not affect the
calculation of your PLUS Score.
However, ALL inquiries will
be displayed on copies of
your credit report that you
order from any of the credit
bureaus. This is done so you
know who has been looking
at your credit. Some inquiries
on your report are accompanied
by a description of why the
report was pulled. For example,
the ConsumerInfo.com
inquiry is called a "Disclosure,"
which means it was ordered
for your information. |
|
|
|
|
|
Currently, we only accept
credit card payments. Our
system is not set up to accept
checks or cash at this time.
We apologize for any inconvenience.
|
|
|
|
|
|
For first-time membership orders, we don't charge your card until after your free trial period. For returning membership and/or transactional product orders, we don't charge your card unless you get your credit report or you complete the request; however, if we are unable to process your request, we will not charge your card. Please note that when you complete the order process, your credit card may be authorized for a charge, but that does not mean that it has been charged.
|
|
|
|
|
|
|
|
|
|
The credit reporting agencies
maintain credit files on individual
U.S. residents only. They
do not maintain joint files
for spouses. Only accounts
that are in both your names
or those for which you are
an authorized user will show
up on your report. Therefore,
your credit report is separate
and different from your spouse's.
|
|
|
|
|
|
To request an investigation
into information you don’t
agree with on your credit
report, you should write directly
to the credit reporting bureau
that supplied the information.
A credit bureau has 45 days
to investigate disputes regarding
possible inaccuracies on credit
reports. The credit bureau
must then give you the results
in writing. |
|
|
|
|
|
No. Under federal laws, any
person who knowingly and willfully
obtains information on a consumer
from a Credit Reporting Agency
under false pretenses (for
example, getting a credit
report on an individual without
his/her permission) shall
be fined under Title 18 United
States Code, or imprisoned
for not more than 2 years,
or both. |
|
|
|
|
|
Yes. The Fair and Accurate
Credit Transactions Act
(FACT Act) allows consumers
to get one free comprehensive
disclosure of all of the
information in their credit
file from each of the
three national credit
bureaus once per year
through a Central Source.
Consumers can also receive
critical credit file information
in an online credit report
directly from Experian
once per year at no cost
through web sites like
FreeCreditReport.com.
Click
here for more information
about requesting your
free annual credit file
disclosure.
In addition, consumers
also have the right to
a free credit file disclosure
directly from the credit
bureaus if (paraphrased)
they:
- are the recipient
of an adverse action
(for example, denial
of credit) due to
information contained
in their credit file
- are unemployed
- are a recipient of
public welfare assistance
- have inaccuracies
in their credit file
due to fraud
For more information, please
see the Fair
Credit Reporting Act.
|
|
|
The
federal Fair Credit Reporting
Act(FCRA) is designed
to promote accuracy, fairness,
and privacy of the information
in the files of credit
reporting companies. Please
click
here for the
summary of your major
rights under the FCRA.
|
|
|
|
|
|
If you have forgotten your
Username or Password, use
our reminder
form. Enter the full name
and e-mail address you used
when registering with us and
click "Submit".
You will then be prompted
to answer the question you
chose as your "Reminder
Phrase". If you answer
this correctly, you will receive
your Username and Password.
|
|
|
|
|
|
Generally, we can authenticate
you online immediately after
you place an order. If you
order a product that is delivered
instantly, and we are unable
to verify your identity online,
you have the option of going
through further verification.
We then deliver you a private
access code via U.S. mail
within 5 to 7 days, which
provides you full access to
your report online. For your
protection, if we are still
unable to verify your identity,
you will be asked to call
to verify your identity by
phone. Once your information
is verified, your identity
will be manually authenticated.
You will receive an email
confirming the outcome within
3 business days. If your information
is verified, your login information
also will be provided in this
email. You can then login
at the site to view your report,
which will be available online
for 30 days. |
|
