Credit Scores and Monitoring
Experts agree that monitoring your credit records is one of the most effective and efficient ways to detect signs of identity theft and credit fraud. Unfortunately, trying to monitor your credit files on your own can be an expensive undertaking. The federal Fair Credit Reporting Act law, which guarantees you a free credit report from each credit bureau, offers you just one free report every 12 months from each bureau. Identity thieves work year-round, though, so you're on the hook for the cost of additional credit reports throughout the year. IdentityHawk® provides the solution.
Year-Round Credit Monitoring
IdentityHawk® members receive 24/7/ triple-bureau credit monitoring that alerts them to any critical change to their records at each of the three major credit reporting bureaus — TransUnion, Experian, and Equifax. Whenever an inquiry, an address change or any other activity is made in an IdentityHawk® member's files at the three bureaus, that member receives an automatic e-mail notifying him or her of the activity. This allows the member to investigate the activity and to respond to it as needed.
A quick response to suspicious activity in your credit files is often the best defense against the possibility of an identity theft event. It helps you protect your assets immediately and also helps you avoid the time-consuming efforts typically needed to uncover and unravel an identity theft event that might otherwise go undetected for months or even years.
Unlimited Access to Your Credit Scores
On top of triple-bureau credit monitoring, IdentityHawk® members also have unlimited access to all three of their credit scores. In addition to helping them plan for, and negotiate upcoming credit-backed purchases, 24/7 access to all three of their credit scores can serve as an extra form of credit monitoring for our members. If a member notices a huge drop in his or her scores at one or more bureaus, the member can investigate the reason behind the drop, which may very well be related to the theft of the member's identity.
Credit monitoring and credit scores are an important defense against credit fraud and identity theft. IdentityHawk® members therefore enjoy greater peace of mind knowing that they have virtually unlimited access to their credit records at all three credit bureaus.