Comprehensive Identity & Credit Protection
The Credit Score Junkies combined ID protection & credit monitoring plan is your solution for the credit information you need to keep your identity & finances safe.
With this plan you get the best of both worlds - identity protection and credit monitoring in the same package. Guard your ID and monitor your credit at the same time - 24/7 - at your convenience!
Combined Plan Features & Benefits
- Advanced Identity Monitoring
- Full-service Identity Restoration
- Identity Verification
- Full Access to Credit Reports
- Identity Theft Insurance
- Family Commander
- Credit Monitoring
- Score Tracker
- 24/7 Lost Wallet Assistance
- Anti-virus / Anti-spyware Software
- Score Simulator
- Resource Center
Credit Monitoring Features & Benefits
How Advanced Identity Monitoring & Alerts Work
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.
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 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.
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.
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.
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.
Identity Monitoring Features & Benefits
- Identity Insurance.
$1 million in insurance coverage against lost wages and costs associated with identity theft recovery.
- Full-Service Identity Theft Restoration Services.
Trained, certified agents aid customers in determining the scope of the breach, shutting down the breach and repairing any damage done as a result of identity theft.
- Identity Theft Protection Resource Center.
Members have access to a one-stop resource for the latest information to combat identity theft.
- 24/7 Lost Wallet Service.
Our Lost Wallet service helps members quickly cancel and replace all items commonly carried in wallets and purses, including credit cards, debit cards, check books, driver’s license, Social Security cards, insurance cards, passports, military identification cards and even traveler’s checks.
- Internet Surveillance Monitoring & Alerts.
Internet Surveillance Monitoring proactively detects stolen personally identifiable information and compromised confidential data, and alerts are sent if a member’s personally identifiable information is found being bought or sold online.
- Social Security Monitoring & Alerts.
Social Security Monitoring detects when names, aliases and addresses become associated with a member’s social security number.
- Change of Address Monitoring & Alerts.
Change of Address Monitoring reports if a member’s mail has been redirected though the United States Postal Service, giving them immediate knowledge of someone attempting to steal their identity by redirecting mail to a new address.
How Advanced Identity Monitoring & Alerts Work
Internet Surveillance & Alerts
Identity theft can inflict financial damage for months or even years before detection occurs. Our cutting-edge Internet Surveillance Monitoring detects stolen personally identifiable information and compromised confidential data. It is the only identity monitoring solution designed for proactive cyber detection on an international level, breaking language barriers and detecting identity theft across the globe.
At any point in time, the Internet Surveillance technology is monitoring thousands of websites and millions of data points using a variety of data gathering techniques, such as chat room monitoring, crawling/scraping capabilities and forum extraction, to make sure compromised credentials are spotted before they are stolen.
Our Internet Surveillance Monitoring service will alert you if it finds your personally identifiable information being bought or sold online.
Personal Information Monitored
- Social Security Numbers
- Phone Numbers
- Email Addresses
- Medical ID Numbers
- Credit Card & Debit Card Numbers
- Bank Account & Routing Numbers
- IRC Channels
- Twitter Feeds
- P2P Sources
- Botnet C&C Servers & Compromised Hosts
- Hidden & Anonymous Web Services
- Malware Samples
- Torrent Sources
- Search Engine Queries
Social Security & Address Alerts
Social Security Alerts
Your Social Security Number is used to file tax returns, apply for credit and loans, and much more – imagine the damage that could be done if an identity thief had access to yours.
Our Social Security Number Monitoring service notifies you when names, aliases and addresses become associated with your social security number, enabling you to have greater intelligence regarding how your SSN is being used and helping you to detect identity theft sooner.
Change of Address Monitoring & Alerts
Identity thieves can act as you to change your home address, giving them access to your important personal documents and limiting your ability to receive abnormal credit statements or new account information from an unrecognized source, which are common signs of identity theft and fraud.
Our Change of Address service monitors and reports if your mail has been redirected though the United States Postal Service, giving you immediate knowledge of someone attempting to steal your identity by redirecting your mail to a new address.