Credit Monitoring

Credit Monitoring Credit Junkies

It’s Your Credit. Keep It That Way with Credit Monitoring.

We are your 1-stop shop to the latest protection and information to combat identity theft.

Credit Score Junkies is your solution for the credit information you need to become – and stay – an informed consumer. Your benefits may vary depending on your plan level, but every membership includes credit monitoring and alerts, score tracker and access to single- and tri-bureau credit reports.

Features & Benefits

Identity Verification

ID & Credit Monitoring

Resource Center

Access to Multi-Bureau Reports

Score Tracker

How Advanced Identity Monitoring & Alerts Work

Package Overview

Credit Score Junkies is your solution for the credit information you need to become – and stay – an informed consumer. Your benefits may vary depending on your plan level, but every membership includes credit monitoring and alerts, score tracker and access to single- and tri-bureau credit reports.

Package Details

credit score junkies identity verification

Level 3 (L3) Verification

Every new Credit Score Junkies member must complete an L3 Verification to verify his/her identity before accessing personal credit information on the membership website. Once this is complete, all of your plan benefits will be available and monitoring will begin.

credit score junkies identity and credit monitoring

Credit Monitoring with Alerts

Credit Score Junkies monitors bureau activity and alerts you to any reported changes on your credit report. You need to know if another individual is acting on your behalf as soon as possible in order to limit the amount of damage done to your credit. If you suspect your personal information has been compromised, you may need to place a fraud alert on your credit report, close compromised accounts, file a complaint with the FTC or file a police report.

multi-device access to reports Credit Score Junkies

Credit Reports

A credit report includes information on where you live, how you pay your bills, and whether you’ve been sued or arrested, or have filed for bankruptcy. Nationwide consumer reporting companies sell the information in your report to creditors, insurers, employers, and other businesses that use it to evaluate your applications for credit, insurance, employment, or renting a home.

No matter what plan level you have, you may purchase a new single-bureau or tri-bureau report through the membership website at any time. Always review your report carefully – if you see accounts you don’t recognize or information that is inaccurate, contact the credit reporting agency and the information provider right away.

The Fair Credit Reporting Act guarantees you access to your credit report for free from each of the three nationwide credit reporting companies (Experian, Equifax, and TransUnion) every 12 months. Visit annualcreditreport.com to request the free annual credit report that’s yours by law.

Credit Score junkies score tracker

Score Tracker

Score Tracker is a simple, month-after-month report based on four credit determining factors, which allows you to visually see how your credit scores change over time by plotting them on a graph. It also outlines the factors that caused shifts in your score, so you can understand what action to take.

credit score junkies resource center for credit

Resource Center

The resource center provides you with recent news and articles related to credit, financial health, and other information to educate you on the importance of a healthy credit record.