Understanding Your Credit

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Your credit history is a full list of all of your financial dealings within the last several years: houses, cars, credit cards and bills. If you've paid everything on time, without defaulting, you'll be in good standing. And that credit standing is one of your most important financial assets.

Most of your credit history is recorded by the three national repositories (Equifax, Experian and TransUnion). Creditors, banks and other financial institutions use these agencies to decide whether or not you're worthy to receive their services. Mortgage lenders, car dealers, credit card companies and even potential employers will request to see your credit, to make sure you're going to be around or pay them when it comes time. It not only affects your ability to get credit, it often dictates the interest rate at which you can borrow. And that can control your financial livelihood.

So it's important to monitor your credit reports to know what your credit looks like. And if there are credit cards or bank accounts in your name that you did not authorize, it's likely your identity has been stolen. That's where we can help!

With Your ID24/7, we not only make it easy to understand your credit report (our consultants are just a toll-free phone call away), we are available 24/7 to answer all your identity concerns and questions. Plus, when you belong to Your ID24/7, we instantly alert you to any changes or inquiries, and we'll do the work to get you back to pre-theft status.