Annual Experian® Credit Report and VantageScore®

Educating consumers with accurate credit profile information can help them meet their goals while illuminating new possibilities for partners. As an industry-leading credit data provider, Experian® has the experience to deliver fast and flexible single-bureau credit data offerings.

How do I describe it to consumers?

Prepare for life's biggest moments by understanding your credit. Your Experian® credit report gives you a detailed look at the information lenders use to make credit decisions and set interest rates. Check your payment history, account balances, and credit score to discover ways to resolve issues and improve your credit. Gain access to your VantageScore®* 3.0 that leverages unique machine learning techniques that result in greater accuracy for even those with sparse credit histories.

*Calculated on the VantageScore 3.0 model. Your VantageScore 3.0 from Experian® indicates your credit risk level and is not used by all lenders, your lender may use a score that’s different from your VantageScore 3.0. Click here to learn more. https://www.experian.com/consumer-products/vantage-score.html

Lost Wallet Services

Be a one-stop shop for your consumer’s identity protection needs. With Lost Wallet Protection, provide consumers with a digital wallet where they can easily save and store their payment and identification information. If their physical wallet is lost or stolen, they can quickly replace and cancel cards.

How do I describe it to consumers?

Easily save and store your important payment and identification information in one place, creating a digital wallet. If your actual wallet is lost or stolen, your digital version will help you to cancel and replace everything quickly, saving you time, money, and stress.

Identity Restoration

Become a trusted partner by providing your customers with Identity Restoration support when they become a victim of identity theft. Help them recover more quickly with the support of certified restoration specialists. Our bilingual agents help guide consumers through the process of restoring what is rightfully theirs.

How do I describe it to consumers?

If you become a victim of identity theft, the process to recover can be complicated and time-consuming. Often, it requires assistance to figure out how to recover fully. Full-Service Identity Restoration will get you back on track with support from an expert restoration agent that will walk you through the process of reclaiming what's rightfully yours.

Financial Account Takeover

Help save your consumers from a bank account takeover. Drive engagement with alerts that monitor data from financial institutions to identify when a consumer's account has been compromised and alerts them if someone tries to open a new bank account in their name or changes their personal information on an existing account.

How do I describe it to consumers?

You'll get an alert if someone tries to open a new bank account in your name or change personal information on an existing bank account, so you can secure your accounts before an identity thief gets a hold of them.

Social Network Monitoring

Increase engagement with frequent and impactful alerts that drive consumers back to your portal. Social Media Monitoring notifies consumers when something they post on social media could potentially compromise their identity or reputation.

How do I describe it to consumers?

Sharing too much personal information on social media can put you at risk for identity theft and compromise your privacy and reputation. If something you post on Facebook, Instagram, LinkedIn, or Twitter does this, you will get an alert.

Feature Availability • Reputation risk alerts • Privacy risk alerts

Alternative Loan Monitoring

Earn trust when you provide consumers with Alternative Loan Monitoring. This loan type presents a high risk of identity theft for your consumers because they don't require lenders to pull a credit report to process or approve. Your consumers will receive an alert if someone uses their identity to get approved for a high-interest alternative loan.

How do I describe it to consumers? High-interest, short-term loans put you at high risk for identity theft. This loan type does not require a credit check from traditional credit bureaus for approval. Therefore, it can go unnoticed until it appears delinquent on your credit report- impacting how lenders view your application. With access to Alternative Loan Monitoring, you will receive an alert when someone uses your identity to get approved for this type of loan.

Child Identity Monitoring

Protect your consumer’s future and give their parents peace of mind with monitoring of a child’s social security number, exposed information on the dark web, and social media risks. Also offer child identity restoration and theft insurance to protect them if their child’s identity becomes compromised.

How do I describe it to consumers?

Children are affected by identity theft too. Monitor your child’s identity and get an alert when there is potential theft, so you can resolve it before it’s too late. Identity thieves often target a child’s identity because it takes longer to realize the theft. Their clean financial history and longer theft detection times make them perfect targets for this crime. Additionally, children can unknowingly post personal information online, making identity theft easier.

Social Security Number Trace

Provide comprehensive monitoring with Social Security Number Monitoring. Identity thieves can use your consumer's SSN to access credit, make purchases, commit crimes, and more. If a new name, nickname, or address becomes linked to a consumer's number, they will receive a notification. *Disclaimer needed for child monitoring when offered to consumers.

How do I describe it to consumers?

Identity thieves can use your Social Security Number to get credit, make purchases, and more. We'll notify you if a new name, nickname, or address becomes linked to your number so you can act sooner.*

*Child monitoring available. Disclaimer needed for child monitoring when offered to consumers.

Internet Surveillance

As consumers awareness of dark web threats grow, become a trusted partner by offering key dark web monitoring functionality. With continuous evolution of the dark web, consumer information leaked on the dark web is increasing. With it, the need for dark web monitoring is essential for comprehensive identity protection. Engage consumers with protection that is at the top of their minds. CyberAgent® Dark Web Monitoring alerts consumers if a threat to their identity is found on the dark web. *Available for Adult & Child subscribers.

How do I describe it to consumers?

If your or your child's* personal information is bought or sold on the dark web, thieves can use it to steal your identity. We scan thousands of dark web websites and alert you if we find any matches to your personal information so that you can respond.

*Child monitoring available. Disclaimer needed for child monitoring when offered to consumers.

Identity Theft Insurance (various levels depending on plan)

Identity theft costs your consumers time and money. By offering Identity Theft Insurance*, you can help them recover financially. Based on provided coverage, Identity Theft Insurance reimburses consumers for eligible out-of-pocket identity restoration expenses, including legal fees, childcare and elder care costs, and even loan reapplication fees. Choose from three coverage levels to fit your business needs and provide needed recovery.*

How do I describe it to consumers?

Identity theft can be a costly experience – taking time and money to recover. With a no-deductible Identity Theft Insurance* policy, you get reimbursed for unexpected out-of-pocket expenses such as legal fees, lost income, fraudulent transactions, and stolen funds.*

*Disclaimer needed.

Change of Address Monitoring

Help consumers protect themselves from stealth identity scams where thieves can redirect mail to gather key personal information. An unauthorized address change can be a sign of identity theft. If someone makes a change request with the U.S. Postal Service that matches your consumer's personal information, they will receive an alert.

How do I describe it to consumers?

Unauthorized address changes can be a sign of identity theft. If someone makes a change request with the U.S. Postal Service that matches your personal information, you will receive an alert.

Court Record Monitoring

Drive consumer engagement to your portal with highly engaging Court Records Monitoring. Monitors U.S. State, County, and City court records and notifies your consumers if someone involved in the court system is falsely using their personal information.

How do I describe it to consumers?

Get alerted when your personal information, like your name or date of birth, is found in U.S. County, State, or City court records and is used by someone involved in the court system.

C.L.U.B Alerts

Increase platform engagement and enhance your consumer experience with notifications that provide consumers with more robust financial awareness while helping protect against fraud and allowing them to make informed financial decisions.

How do I describe it to consumers?

With more robust monitoring of your Experian credit file, C.L.U.B. Alerts notify you of your credit limits, account balances, or how much available credit you’ve used. Which can help you track your positive financial habits and spot potential fraud.

Real-Time Credit Alerts

Become a trusted financial partner when you proactively engage consumers with Real-Time Credit Alerts that continuously monitor their Experian® credit report for hard inquiries and notifies them in real-time when such an event occurs. With real-time notification capabilities, Real-Time Credit Alerts can help consumers take action sooner against potential fraud and help your organization earn trust and loyalty.

How do I describe it to consumers?

When it comes to protecting your financial wellness, timing is key. With Real-Time Credit Alerts, you’ll get real-time notifications when a new credit application is found on your Experian® credit report.

Real-Time Authorization Alerts

Build stronger relationships and help consumers protect themselves against potential fraud by providing real-time notifications when Experian® identifies their personal information being used for new credit applications or identity authorizations.

How do I describe it to consumers?

Better protect your financial wellness with Experian® Authorization Alerts. Get real-time notifications when someone uses your personal information to apply for new credit and take action against identity theft.

3-Bureau Credit Monitoring

Comprehensive credit monitoring creates additional consumer touchpoints and drives platform engagement. Encourage return visits with features that monitor their credit reports from each of the three major bureaus (Experian®, Equifax®, and TransUnion®), alerting them of key changes that could be early indicators of fraud so they can act sooner and stay on track toward their financial goals.

How do I describe it to consumers?

Gain comprehensive control with daily monitoring of your Experian®, Equifax®, and TransUnion® credit files. You’ll receive alerts of key changes to help you spot signs of potential identity theft sooner, so you take action to protect your future.

Experian® Credit Monitoring

Drive engagement with your credit education services. Keep consumers returning to your platform with monitoring features that track their Experian® credit report and notify them of key changes that could be early fraud indicators. Early detection can help consumers react sooner and protect their financial health.

How do I describe it to consumers?

With the power of daily monitoring, you’ll receive alerts of key changes to your Experian® credit report. Helping you spot signs of potential identity theft sooner, so you can take action to protect your future.

VantageScore® Simulator

Get a financial wellness confidence boost in real-time with VantageScore®* Simulator. The interactive tool estimates what could be your likely future VantageScore® based on your potential credit decisions and actions, such as paying off a credit card.

*Calculated on the VantageScore 3.0 model. Your VantageScore 3.0 from Experian® indicates your credit risk level and is not used by all lenders, so don’t be surprised if your lender uses a score that’s different from your VantageScore 3.0. Click here to learn more

Monthly VantageScore Updates

Monitor your financial wellness goals with VantageScore® Score Tracker, a month-by-month view of your VantageScore®*.

*Calculated on the VantageScore 3.0 model. Your VantageScore 3.0 from Experian® indicates your credit risk level and is not used by all lenders, so don’t be surprised if your lender uses a score that’s different from your VantageScore 3.0. Click here to learn more.

Sex Offender Monitoring

Give families and neighborhoods peace of mind with up-to-date information about registered sex offenders living in their area and alert users when a new offender moves into their community. With safety top of mind for families, engaging alerts will keep consumers engaged with your product.

How do I describe it to consumers?

Helps keep you and your loved ones safe by showing you a map of registered sex offenders living in your neighborhood and sending notifications when new offenders move in.