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Credit Score Direct

From Credit Score Direct you will receive:

* TransUnion, Equifax, Experian Scores
* Daily Credit Monitoring & Alerts
* Your Scores Delivered in Seconds**

By Monitoring your credit report you can protect your identity and find out if anyone is trying to use your ID.

What is identity theft? Identity theft occurs when someone uses your personally identifying information, like your name, Social Security number, or credit card number, without your permission, to commit fraud or other crimes. (from the Federal Trade Commission)

Identity theft is a big problem. The FTC estimates that as many as 9 million Americans have their identities stolen each year. In fact, you or someone you know may have experienced some form of identity theft.
The crime can take many forms. Identity thieves may rent a car, get a new a credit card, or get a cell phone in your name. You will very likely not find out about it unless you review your credit report or you get a credit card statement and notice charges you didn’t make—or until someone wants to collect on a bad debt.

According to the Federal Trade Commission (FTC), the best way to detect identity theft is to monitor your accounts and bank statements each month, and check your credit report on a regular basis. Everyone gets one free report per year, but do you think that once a year is really regularly?  That is whay we offer credt score direct.

Once you get your credit reports, look them over very carefully. Maybe there are inquiries from businesses you have not been to, accounts you didn't open, and debts on your accounts that you have never seen. Check things like your Social Security number, address(es), names or initials, and employers are correct. If you find fraudulent or inaccurate information, get it removed

If you have already been a victim of identity theft read more...

1. Place a fraud alert on your credit reports, and review your credit reports.

Fraud alerts can help prevent an identity thief from opening any more accounts in your name. Contact the toll-free fraud number of any of the three consumer reporting companies below to place a fraud alert on your credit report. You only need to contact one of the three companies to place an alert. The company you call is required to contact the other two, which will place an alert on their versions of your report, too. If you do not receive a confirmation from a company, you should contact that company directly to place a fraud alert.

TransUnion: 1-800-680-7289; www.transunion.com; Fraud Victim Assistance Division, P.O. Box 6790, Fullerton, CA 92834-6790

Equifax: 1-800-525-6285; www.equifax.com; P.O. Box 740241, Atlanta, GA 30374-0241

Experian: 1-888-EXPERIAN (397-3742); www.experian.com; P.O. Box 9532, Allen, TX 75013

Once you place the fraud alert in your file, you're entitled to order one free copy of your credit report from each of the three consumer reporting companies, and, if you ask, only the last four digits of your Social Security number will appear on your credit reports. Once you get your credit reports, review them carefully. Look for inquiries from companies you haven't contacted, accounts you didn't open, and debts on your accounts that you can't explain. Check that information, like your Social Security number, address(es), name or initials, and employers are correct. If you find fraudulent or inaccurate information, get it removed. See Correcting Fraudulent Information in Credit Reports to learn how. When you correct your credit report, use an Identity Theft Report with a cover letter explaining your request, to get the fastest and most complete results. 

....from FTC website

Prevent Identity Theft

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