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CreditGuard

Authorized Partner
Official Bureau Data

Total Credit Protection.
Real-Time Control.

Don't leave your financial future to chance. Get direct access to your Official Credit Score, Report, and powerful Identity Theft Protection tools.

  • Unlimited Access: Check your updated score & report daily.
  • Credit Lock Plus: Instantly block unauthorized access.
  • $1,000,000 Insurance: Identity theft coverage included.
  • Instant Alerts: Know the moment your data changes.
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Credit Score Dashboard Monitoring

Benefits For You

Why millions choose our official monitoring service.

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Doesn't Affect Your Score

Checking your own credit is a soft inquiry. You can check it daily without any negative impact.

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Completely Free

No credit card required to get started. Access your basic profile instantly at no cost.

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Personalized Offers

See loan and credit card offers tailored specifically to your credit profile.

Benefits of Credit Monitoring

Trusted Data Security Standards

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Are You Flying Blind Financially?

Without access to your official credit data, you are vulnerable to errors, fraud, and missed opportunities.

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Identity Theft Risk

In 2023 alone, millions of Americans were victims of identity fraud. Without monitoring, you might not know until it's too late.

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Loan Denials

A single error on your report can significantly impact your score, leading to rejected mortgage or car loan applications.

Financial Peace of Mind
Expert Support and Analysis
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Why Monitoring Works: The Data Advantage

Credit scores are calculated using complex algorithms based on your financial behavior.

Scientific Reference: Research from the Consumer Financial Protection Bureau (CFPB) indicates that consumers who regularly monitor their credit are more likely to dispute errors and maintain accurate profiles over time.

We provide the Trended Data view—showing not just where you are today, but the trajectory of your financial health. This "longitudinal" data is what sophisticated lenders use to approve loans.

Official Protection Tools

We provide the official suite of protection and monitoring services directly from the source.

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Credit Lock Plus

Instantly lock and unlock your credit reports with a single click to prevent unauthorized new accounts.

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$1M Identity Insurance

Rest easy with up to $1,000,000 in identity theft insurance coverage to help you recover lost funds and legal costs.

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Instant Alerts

Get notified immediately via email or app whenever there is a critical change to your credit report.

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Score Simulator

Use our interactive tool to see how financial decisions—like paying off debt—could affect your score.

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Fraud Resolution

If you are a victim, our dedicated fraud restoration specialists will help guide you through the recovery process.

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Unlimited Reports

Access your official credit report and VantageScore 3.0 as often as you like without any penalty.

Financial Knowledge Center

Watch our expert guides to understand how credit really works.

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Frequently Asked Questions

Everything you need to know about credit monitoring and protection.

Does checking my credit score here hurt my credit? expand_more
No. Checking your own credit report and score through this service is considered a "soft inquiry" and has zero impact on your credit score. You can check it as often as you like.
What is Credit Lock Plus? expand_more
Credit Lock Plus allows you to lock and unlock your credit reports with a single click or swipe. When locked, lenders cannot access your report to open new accounts, effectively blocking identity thieves.
How does the $1 Million Identity Theft Insurance work? expand_more
If you become a victim of identity theft while a member, our policy provides reimbursement for out-of-pocket expenses, lost wages, and legal fees up to $1 million to help restore your identity.
Is this the same score lenders use? expand_more
We provide a VantageScore® 3.0 based on data from the bureaus. This model is used by many lenders, landlords, and financial institutions to evaluate creditworthiness.
Can I cancel my subscription at any time? expand_more
Yes. There are no long-term contracts. You can cancel your credit monitoring subscription at any time by contacting customer support.
How fast do I get alerts? expand_more
Alerts are sent in near real-time. As soon as a change is detected in your credit file (like a new inquiry or account), you are notified via email or mobile notification.
What happens if I find an error? expand_more
Membership gives you access to online dispute tools. You can file a dispute directly through the dashboard to correct inaccurate information on your report.
Is my data secure? expand_more
Absolutely. We use bank-level 128-bit SSL encryption to protect your personal information. Your data privacy and security are our top priorities.

Take Control of Your Financial Future Today

Join millions of Americans who protect their identity and monitor their credit.

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