CREDIT REPORT Q&A

What is credit monitoring?
Credit Monitoring is the only automated method available to reduce the threat of identity theft and keep you up to date with changes and inquiries made to your credit file. Credit Monitoring alerts you of any major changes made to your credit file. Credit Monitoring does not affect your credit or credit score.

How do you alert me of changes in my credit file?
You will receive alerts of changes by email. These changes may signal potential identity theft in progress. Credit monitoring notifies you of any suspicious activity to your credit file - so you can take action quickly to minimize the damage.

What types of notifications/alerts will I be receiving?
The type of changes that you will be alerted of are the following:

I. New Accounts
II. Inquires
III. Derogatory information
IV. Public Records
V. Collection Accounts
VI. Serious Derogatory (foreclosure, bankruptcy)
VII. Change of Address

How do I view the changes made to my credit file once I receive an alert?
If you receive an email stating there has been a change to your credit file, log in to the member area either by visiting us at www.RunMyCreditReport.com or click on the link in the alert email. You will be taken directly to the member log in section. Once you have logged in, select the "View Monitoring History" link and a list of all recent and past alerts will be available for you to view.. ;

What happens if I change my email address?
If your email address changes, all you need to do is log into the member area, click on "modify personal info" and enter your new email address. Your email address will be updated immediately and you will continue to be notified of changes to your credit report. ;

Do I receive alerts for changes reported at all three repositories?
No. Currently your credit file is being monitored daily for changes based on your Experian Credit file, one of the three national credit bureaus.

Does the service monitor my wife's/husband's credit file as well?
No. Currently credit monitoring is on an individual basis. A spouse's credit file must be monitored separately.

Can you alert me via telephone or US mail instead of email?
Currently, you can only be notified of changes to your credit file via email. This is to ensure prompt notification in the event of a significant change to your credit file.

My credit is in really poor shape; do I still need to monitor it?
Whether you have bad credit or good credit, identity theft affects your personal credit, and it can lead to a wide range of long-term financial problems making poor credit even worse. Identity theft occurs when someone uses your name, credit card number, or other personal information to make unauthorized purchases or open new accounts in your name. Changes and inaccuracies in your credit file can be an early warning sign of identity theft. Regularly checking and monitoring your credit can be a good way to stop any problems before they get too far.

Learn more at

SeeYourFreeCreditReport.com

RestoreMyCreditReport.com