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PrivacyAdvantage is a comprehensive suite of tools that helps you proactively monitor, manage and protect your valuable credit and identity information. This comprehensive service helps you detect and respond quickly to fraudulent activity. With our dynamic resources, you will have the information and assistance you need to take a stand against identity theft and to make better financial and credit decisions.

Credit Monitoring & Alerts back to top

Credit Monitoring and Alerts with Notify ExpressSM is a fast, convenient way to keep track of your credit information and detect the early signs of fraudulent activity before they ruin more than your bank account. It helps you to stay informed and act quickly if potentially fraudulent activity appears.

How Credit Monitoring and Alerts help protect your credit file from fraudulent activity

  1. Notify Express checks your Equifax® credit file for activity every business day.
  2. Notify Express alerts you via e-mail, text messaging, or U.S. Mail, so you can act immediately to fraudulent activity. You will receive an alert when new accounts are opened, inquiries are made, or address changes occur.

Notify Express

Credit Report back to top

3B Profile

You'll automatically receive your Equifax® credit report with your membership but you can also upgrade to our 3-in-1 credit report at no extra charge when you activate your online account or return the upgrade certificate. With our 3-in-1 Credit Report you get unlimited online access to a consolidated report of your credit information from Equifax®, Experian®, and TransUnionSM, including side-by-side comparisons. This gives you a comprehensive view of your credit history, and also makes it easier for you to verify the accuracy of the information at each agency.


Credit Score back to top
Credit Score

Your Credit Score provides a snapshot of your current creditworthiness based on an evaluation of common factors many lenders use to decide whether to extend credit. PrivacyAdvantage outlines both the positive and negative factors that impact your score, shows you how your score compares to the national average, and provides tips on how you can improve your score.

Quarterly Credit Updates back to top

Identity thieves don't just steal your money. They rob you of your time, your credit, and your reputation. PrivacyAdvantage provides you with your personal Quarterly Credit Updates that carefully review your credit information every 90 days to help keep you financially fit and secure. Plus, you'll receive an updated credit score so you can track your progress over time. Your three-month inventory of credit activity:

  • Lists new accounts opened in your name.
  • Records all inquiries made into your credit files.
  • Notifies you of address changes submitted to your credit file.
  • Tracks any identification information changes.
  • Lists any accounts in collection.
  • Details possible negative information on your file.
  • Updates account balance increases greater than 20%.
  • Notifies you of account status improvements.
  • Records all closed accounts, items removed from your credit file, and any credit limit increases.
  • Notes all public record items, including judgments, bankruptcies, and liens.
  • Lists existing accounts that do not have significant changes.
1B Quarterly Credit Updates
Credit Analyzer back to top

Understanding Credit Analyzer

Credit Analyzer is a real-time credit-analysis tool that allows you to create "What If?" scenarios to see how changing one or more credit variables may raise or lower your credit score. Simply select a scenario and begin experimenting. It's that easy!

Why Improve Your Credit Score?

Whether you're thinking about refinancing a loan, paying off some credit card debt, or just looking to improve your credit score, the online Credit Analyzer tool helps you plan for the future.  Keep in mind that lenders view your credit score when reviewing your loan applications and a higher score can help you obtain loans more easily and generally at lower interest rates—saving you a considerable amount of money and time.


Identity Theft Recovery Unit back to top

Understanding your credit and fighting fraud can be confusing. That is why PrivacyAdvantage has highly trained specialists available to provide one-on-one personal assistance.

Identity Theft Recovery Agents

Identity Theft Recovery Agents are your powerful allies after a fraud or identity theft attack. They walk you through all the steps required to restore your credit and will:

  • Contact the three leading consumer credit reporting. agencies (Equifax®, Experian®, and TransUnionSM) on your behalf to place a Fraud Statement in your credit file.
  • Assist you in contacting the affected creditors and law enforcement agencies.
  • Assist you in filing disputes with the credit reporting agencies.
  • Send you a Fraud First Aid Kit containing important contact phone numbers and addresses, and a Contact List that a you can use to keep track of all phone contacts made when trying to clear your credit and name.

Credit Education Specialists

Credit Education Specialists are trained to answer your questions about your member benefits, credit report, credit score, Identity Theft Insurance, and other issues.

Identity Theft Insurance  back to top

One of the valuable features of your service is identity theft insurance. If you become a victim of identity theft you may be reimbursed for certain expenses up to $10,000 (with $0 deductible)* per policy period. Covered expenses related to identity theft may include:

  • Lost wages (up to $2,000 per week for a maximum of 5 weeks)
  • Notarizing affidavits or other similar documents, long distance telephone calls and postage
  • Costs for re-filing loan applications, grants or other credit instruments
  • Elder, spousal or child care (up to $2,000)
  • Attorney fees incurred (with prior consent from AIG)
*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.



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