Credit report and enhanced monitoring are just the beginning.
What is your time worth? We want you to spend time living a meaningful life, not waiting hours on the phone with the IRS or your bank. We can’t remove all the worry from your life, but we can help reduce the stress if your identity is stolen. We remove the uncertainty and give you the advantage of being able to act quickly if something suspicious is happening with your identity. We actively monitor your identity with enhanced protection so you can focus on the things in life that matter most to you.
Identity Theft and Credit Protection Crafted for You
Credit Reporting & Score Delivery
Whether you are looking for a 1-bureau credit report or a complete view of your credit report profile from each of the 3 credit bureaus (Experian, TransUnion, and Equifax), our products are designed to meet your needs.
Suspicious changes in your credit report are one of the first indications that your information may have been compromised. Take a look at your credit report and verify all of your information. We believe checking your report regularly is so important that you have access to 12 reports per year (on select plans), which is something our competition does not offer.
Daily credit monitoring offers insight when changes are made to your credit report profile. When your report is delivered, check it thoroughly for inaccuracies and a team of U.S.-based customer service professionals will assist you with your questions if anything looks suspicious. Regular credit checks combined with the power of credit monitoring empowers you to see changes and act quickly if something unexpected happens.
See changes to your credit profile with daily credit monitoring alerts that include:
- New judgments
- Change of address
- New public records
- Change of personal information
- New credit inquiries
- Reporting of a delinquent account
- New credit accounts and loans
Enhanced Credit Monitoring
Enhanced credit monitoring effectively monitors your credit on a whole new level. With this benefit, you are alerted to changes when authorized users are added to your credit cards or when your TransUnion score changes by 10+ points. This feature puts you in the driver seat and enables you to see changes and take action if something doesn’t seem right. We want to give you the best, so we’ve gone above and beyond what others in the market offer and included this feature in select products.
Our Enhanced Credit Protection includes:
- Authorized card users
- Bankcard goes over the limit
- Closed trade lines
- Collections excluding medical
- A decrease in collection balances
- An increase in collection balances
- Lost / stolen card
- New charge-off
- New foreclosure
- Paid collections
- Paid trade lines
- Retail card goes over the limit
- 10-point decrease in TransUnion credit score
- 10-point increase in TransUnion credit score
Dark Web Monitoring
You may have heard a lot of talk about the dark web lately. So, what is it? The dark web is similar to the Internet we all know and love with a few key differences that make it ideal for criminal activity. The dark web is accessed with a special browser that allows criminals to anonymously enter an online version of the black market. Within the dark web, anything can be bought and sold without regulation, oversight, or restriction. After your information is compromised during a data breach, thieves often will go to the dark web and sell your information, along with thousands of other records.
Dark web monitoring, also known as internet or cyber monitoring, aids in identity theft prevention by keeping an eye out by scanning the dark web for information related to your identity. Through our global search, we scour the dark web for your SSN, name, mailing address, and other information you designate in over 25 languages. If we find anything suspicious, we notify you immediately.
Your identity goes beyond your credit report and so should your monitoring. When thieves get access to your identity, they use it in ways some of us would never think of. One of the most impactful ways a thief abuses your identity is by committing criminal acts in your name. With Trade Guardian, we actively monitor international most-wanted lists and national criminal record databases for your information. We search records for both arrests and convictions connected to your name and date of birth, whereas other companies offering similar services only search for convictions.
We don’t stop there. Trade Guardian monitors for any use of your Social Security Number within our network and alerts you of what we see. Other monitoring services will only alert you if your SSN is used with a wrong address or name. We feel you should be notified any time your SSN is used, so we make sure you’re informed. In addition, we perform enhanced change of address notification. We not only monitor for a change of address request with the credit reporting agencies, but we also monitor the National Change of Address registry to make sure you’re completely informed of changes made to your information.
Our Identity Monitoring includes:
- National and International Criminal Record Monitoring
- SSN Trace
- Enhanced Change of Address Monitoring
Thieves like to use stolen information to open new accounts. Often, you never know it happens until you pull your credit report and see accounts that you never knew existed. We are actively searching for utility applications, payday loans, cell phone applications, and credit applications. Even if your credit isn’t pulled, we will still alert you when an application is submitted in your name so you can take action.
Identity Theft Insurance
Trade Guardian will offer up to $1 million in identity theft insurance* for the primary member and provide you with financial peace of mind, making you an informed and proactive consumer with a team of experts to support you. If you have out of pocket costs due to ID theft, you’re covered with up to $1 million in identity theft insurance.
- Lost wages
- Legal experts
- Stolen funds reimbursement
*1,000,000 ID Theft Coverage – provides up to $1,000,000 in coverage for: funds stolen by unauthorized electronic funds transfer from an account in your name, legal fees, miscellaneous expenses, and up to $1,500 per week (five weeks maximum) for wages lost while resolving a stolen identity event. All of this with a $0 deductible. Underwritten by AIG.
When you see signs of identity theft, we are the experts who will be there when you need us most. If your identity is stolen, we are here to personally help you restore your identity. You will receive a dedicated case manager that is based in the United States. Your case manager will help you put together a plan of action and be with you every step of the way.
Identity theft impacts more than just adults. Children are especially vulnerable to synthetic identity theft, and stolen identities of children often go unnoticed until they reach adulthood. Trade Guardian is here to provide protection for everyone in your family.
When you enroll in our Secure Max Plan, we not only provide you with up to $1 million in ID Theft Insurance⁸, we also include up to $25,000 for your children.
*Family members refer to enrollee’s children. They must be under the age of twenty-four (24) and permanently live in the same residence as the enrollee at the time of the stolen identity event.