Credit Monitoring Credit Resources Credit Center Login
Frequently Asked Questions

TRIPLE ALERT

What are monitoring alerts?
Your Experian®, Equifax®, and TransUnion® credit reports are monitored daily to see if key information has changed or if new data has been added. You will receive a monitoring alert if key information has changed on your report. That way, you can identify fraudulent activity early in cases where credit activity is unfamiliar or unauthorized.

A Monthly All Clear email will be sent when no key changes have been posted to any of your 3 national credit reports in the past month.

How do I get my monitoring alerts?
As a Triple Alert Credit Monitoring member, all 3 of your national credit reports will be monitored on a daily basis. When key changes are detected, you will receive email and, if you choose, SMS Mobile Text messaging alerts.

How do I enroll for SMS Text Messaging alerts?
Alerts of key changes to your credit reports are always sent through email. As a member, you have the option to also receive alerts via SMS Mobile Text messaging. There are two alert emails that you may receive through SMS Mobile Text Messaging:

  • Monitoring Alert — This will inform you whenever a key change is detected on any of your 3 national credit reports.
  • Monthly All Clear Alert — This will inform you when no key changes have been posted to any of your 3 national credit reports in the past month.

To begin receiving SMS Text Messaging alerts, simply log in to My Credit Center and click on the Edit Profile link. You are able to set up, modify, or cancel text message alerts from the Edit Profile link for no additional cost.

If you need help, simply text HELP to the short code you are enrolled in from your mobile device.  To quit, simply text STOP to the short code you are enrolled in from your mobile device, or  opt-out from the Edit Profile link.  Be advised, STANDARD AND MESSAGING DATA RATES MAY APPLY.

When will I receive my first daily monitoring alerts?
If you are a new member, please note that it may take up to five to seven days from the date you ordered to be enrolled in the daily monitoring system.

Why did I only get alerts for one or two of the bureaus instead of all three?
It can take up to five to seven days for you to begin receiving alerts of key changes to your credit reports from all three national credit bureaus. Each bureau will process your enrollment independently, so processing times may vary among the three bureaus.

Which bureau's credit report does it monitor?
Triple Alert Credit Monitoring monitors all three of your Experian, Equifax, and TransUnion credit reports. You will be notified of several important changes to any of your credit reports with email and, if you choose, SMS Mobile Text messaging alerts. You'll know about new derogatory information, recent inquiries into your credit, and several indicators of possible Identity Theft.

How do I cancel my membership?
If for any reason you are not satisfied, you can cancel anytime to discontinue your membership to 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. To cancel, please contact Customer Care at 1-866-369-0417 or support@experiandirect.com.

3 Bureau Credit Report

How is a 3 Bureau Credit Report different from a single-bureau credit report?
The 3-bureau report includes your credit reports from all three national credit bureaus - Experian, Equifax, and TransUnion. A single-bureau report contains your information on file at one of those three bureaus.

Why is my credit information and score different among the 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 one, whereas many report to all three. When a creditor chooses only to report to one or two 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.

Why is it important to check my credit report & credit score at all 3 bureaus?
When creditors, landlords, and potential employers check your credit history, they can pull your credit report and credit score from any bureau(s). Some only check one bureau; some check all three. By checking all three yourself, you'll be prepared no matter which bureau(s) they go to.

Where can I find out how to read my 3 Bureau Credit Report and PLUS Score?
Please read the Report Key for the 3 Bureau Online Credit Report.

I wasn't able to receive my 3 Bureau Credit Report or the transaction failed. Was I charged?
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 three national 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.

How long does it take to get my 3 Bureau Credit Report and PLUS Score®?
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.

Why didn't I get my online credit report?
Although we usually deliver online credit reports to our customers within seconds, there are some instances that prohibit us from doing so. These include:

  • When we are not able to verify your identity. For your security, we only deliver your credit report when you pass our online identity verification process.
  • When we are experiencing a technical issue.
  • When the credit bureau does not return a credit report. Sometimes the bureau does not have enough information to create a credit report for you
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.

How long will my 3 Bureau Credit Report be available?
Your report is available online 30 days after it is delivered. It's a good idea to print a copy for your records when you first view it.

Score Only Report

How do I obtain my score for the other credit bureaus?
Scores from Equifax and TransUnion are available when the 3 Bureau credit report is ordered. If you order our Triple Alert product, you will have access to a variety of products, including the 3 Bureau Credit Report and PLUS Score. You can easily add your scores from the other two bureaus for an additional $10 from this 3 Bureau report, and your Experian credit score is included free.

Who do I call with questions about my score report?
For general questions about your score report, please contact us toll-free at: 1-866-369-0417. For billing or technical questions, please contact us toll-free at: 1-866-369-0417.

How long is my score viewable?
Your credit score is viewable only at the time of purchase. Please make sure to print a copy of it for your records.

I forgot to print my score report, how can I retrieve it? My Score Report did not load.
Your score is a one time view only so you need to print it before closing your browser. If you had technical difficulties accessing your score, please call customer care at 1-866-369-0417.

I wasn't able to receive my score. Was I charged?
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.

PLUS Score Questions

What is a PLUS Score?
A PLUS Score is a credit score developed by Experian, using a similar formula used by lenders. It is calculated based on information contained in your credit file and can range from 330 to 830 with a higher score indicating lower credit risk to lenders. Your PLUS Score can help you understand what factors impact your credit score.

Where can I find out more about my PLUSsm Score?
More information about your PLUS Score can be found here.

General Questions

Is the transaction safe?
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 and other sensitive information is protected. Preferred web browsers are: Netscape 6.05 or later, Microsoft Internet Explorer 5.0 or later, and AOL 8.0 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.

What will happen to the information I enter?
The information that you provide is used to verify your identity and remains in our system. 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.

Will ordering my credit appear as an inquiry on my credit report?
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. We are pulling your credit report on your behalf, so the inquiry on your credit report will not be shown to creditors and will not affect your credit score.

However, ALL inquiries will be displayed on copies of your credit file disclosure that you order directly from the credit bureaus' consumer assistance centers. 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.

I don't have a credit card. Can I still purchase an online credit report?
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.

What is the refund policy if the transaction fails?
We don't charge your card unless you get your credit report or you complete the request. 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.

Where is my report?
You may view the status of your orders by logging into My Credit Center.

Will my spouse's name and information appear on my report?
The credit reporting companies maintain credit reports on individual U.S. residents only. They do not maintain joint reports 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.

How do I dispute possible inaccuracies on my credit report?
Experian® wants your credit information to be as accurate as possible. If you have reviewed your credit report and believe that the information is inaccurate, you can dispute it online for the fastest resolution. To access online disputes with Experian, go to a current online copy of your credit report and click on the "Dispute Information" button located at the top of the page.

To request an investigation into information you don't agree with on your Equifax or TransUnion credit report, you should write directly to the bureau that supplied the information. For details, please see the Dispute Information page located in the My Credit Center area.

Can I order someone else's report?
No. Under federal law, 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.

Isn't everyone entitled to one free credit report annually?
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.

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.

What are my rights under 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.

What if I forget my Username and Password?
If you have forgotten your username or password, use our reminder form. Enter your full name and the last e-mail address we have on file for you, 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 via email.

Why is there a sales tax and how is it calculated?

Starting December 1, 2008, certain orders may be subject to sales tax based on specific laws in your state of residence. Sales tax may be included on membership orders and any additional reports and scores that you purchase, such as a 3-Bureau report and score.

The address you provided during the order process is used to determine whether sales tax applies to your order(s) and if so, at what rate. Since sales tax rates may change over time, you might notice minor fluctuations in the membership fee.

Keeping your address up-to-date in our system will help ensure the sales tax is calculated accurately during each billing cycle. You can easily update your address information anytime by logging in to My Credit Center and using the Edit Profile section. You may also contact our Customer Care Team at 1-866-369-0417 for address changes.

FACTA

What is the FACT Act?

The Fair and Accurate Credit Transactions Act (FACT Act) was signed into law in December 2003. The FACT Act, a revision of the Fair Credit Reporting Act, allows consumers to get one free comprehensive disclosure of all the information in their credit file from each of the three national credit reporting companies once every 12 months through a Central Source.

How can I request my free statutory annual credit file disclosure?

The FACT Act required that the national credit reporting companies establish a central source though which you will request the statutory free annual credit file disclosures. To obtain that free report, you must go to www.annualcreditreport.com.

Which credit reporting company´s free statutory annual credit file disclosure do I receive?

You are entitled to receive your free statutory annual credit file disclosure from each of the three national credit reporting companies: Experian, Equifax, and TransUnion. Remember, your request must be placed through the Central Source.

How often can I get a free credit file disclosure?

The FACT Act entitles consumers to get one free statutory credit file disclosure from each of the three national credit reporting companies once per year. Because of state law, residents of Georgia can receive two free credit reports per year.