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Home > Security
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PrivacyGuard®
PrivacyGuard®, a valuable credit-monitoring protection service, lets you check your
credit history easily and instantly. Try it for 30 days for only $1, without further
obligation, and you can access and review your Credit Report for accuracy today!
You’ll also get care-free credit monitoring for year-long protection - The best defense
against inaccurate information and fraudulent activity in your records is to have automatic
credit monitoring.
Credit information can change daily every time there are transactions, whether they're
authorized or not. PrivacyGuard® is the complete reporting and monitoring protection
service that checks your credit for you, to help ensure the information recorded there
reflects your true credit history and rating.
Start with your all-in-one Credit Report today...
Get a complete picture of your credit history compiled from all 3 national credit reporting
agencies – Experian, Equifax, and TransUnion. See what banks and other institutions see when
they access your credit history through the national credit reporting agencies.
Here’s what you’ll get with PrivacyGuard®:
Triple-Bureau Credit Report
LINK TO: Your easy-to-read report shows all your reported lines of credit, including bank loans,
mortgages, and credit cards. You'll see payment patterns, any outstanding balances, public records,
and inquiries from other institutions that have asked for a copy of your report within the last 6
months. You'll get a credit summary with "at-a-glance" highlights.
Important: Look for signs in your report that could indicate your identity's been stolen:
- Large and unpaid balances that differ from your usual buying behavior
- Unfamiliar names, addresses
- Unauthorized accounts
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Daily Credit Monitoring
LINK TO: It's important you know who's checking your record and what information they may add.
Credit issuers, banks, employers, landlords, and insurance companies can legally access your credit
history to determine your credit line, insurance rates, and loan eligibility.
The Daily Credit Monitoring service tracks changes to your credit record that's on file with one of
the national credit reporting agencies on a monthly basis. We’ll send you a quarterly ‘all-clear’
notification if there are no changes to your record in a 3-month period.*
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Triple-Bureau Personal Credit Score
LINK TO: In addition to your Credit Report, you'll also get your personal Credit Score, Analysis
& Comparison based on information from all three of the national credit reporting agencies.
All the available financial data about your payment history, credit usage, length of credit history,
and any bankruptcies, is compiled into a model that calculates a score between 350 and 850 — the higher
your score, the less of a credit risk you are. Credit Analysis will help you understand your score. It
could mean the difference between getting more affordable loans in the future, or not.
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$10,000 in ID Theft Protection plus Fraud Resolution Help
LINK TO: Now have peace of mind, knowing if you're ever a victim of ID fraud — you're protected with
up to $10,000.00 in loss protection insurance through PrivacyGuard!
We even lend you a helping hand with Our Fraud Resolution Service: you'll be assisted in clearing your
good name, every step of the way, from paperwork to notifying creditors. A Personal Identity and Internet
Theft Customer Guide will provide instructions on how to resolve the theft of your identity, and
information to help minimize the confusion that can arise.**
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Register Credit Cards & Documents plus Access Other Valuable Reports
LINK TO: Have a safe place to "store" your valuable personal information. Plus access important reports
where inaccuracies can prevent you from getting fair insurance rates and the right coverage.
To help protect you even more, you'll get one safe storage site to register all of your credit, ATM, debit
cards, and important documents. You’ll get a handy toll-free number to call to cancel and replace lost or
stolen cards, which will save you time, and help preserve your good name and credit, as well.
Set all your important records straight with easy access to your Driver's Record …Medical Record (to see
if you have a report on file with the Medical Information Bureau…and your Social Security Report to check
your earnings. You'll also receive helpful information on almost any neighborhood in the nation to ease
your decision-making when buying a new home or relocating, thanks to indispensable Neighborhood Reports.
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Disclosures:
Insurance products offered are underwritten by unaffiliated insurance companies of Mercantile Bank.
Mercantile Bank and/or affiliates receive compensation from
an insurer or other entity for the sale of this product and fees for services performed.
- Insurance products are not insured by FDIC or any Federal government Agency.
- Not a deposit of or guaranteed by the bank or any bank affiliate.
Disclosures: * Neither Trilegiant Corporation, its credit information subcontractors, nor
Alliance Marketing Association shall have any liability for the accuracy of the information contained
in the credit reports or Credit Alert® reports which you receive, including any liability for damages,
direct or indirect, consequential or incidental. PrivacyGuard is not a credit counseling service and
does not promise to help you obtain a loan or improve your credit record, history, or rating. Monthly
monitoring will notify members if any inquiries, derogatory information, or accounts have been added
to their credit reports as reported by a national credit reporting agency(s). If no information has
been added or changed, the member will receive a quarterly notification stating that no information
has been changed within their credit files.
**The Personal Identity Theft Protection insurance benefits are provided to all members, together
with PrivacyGuard's other benefits, through Alliance Marketing Association (the "Association"). Upon
enrollment in the PrivacyGuard service, you will automatically be admitted as a member of the
Association. The Personal Identity Theft Protection insurance benefits are underwritten by a member
company of American International Group, Inc., which has issued the master policy with respect to
such benefits to the Association. Evidence of coverage under the master policy will be available to
you upon enrollment in the PrivacyGuard service. The summary of policy benefits, terms, conditions
and limits of coverage set forth in the evidence of coverage are subject to the terms of the master
policy.
PrivacyGuard is a service provided by Trilegiant Corporation in conjunction with Alliance Marketing
Association. The PrivacyGuard service may be modified or improved at any time and without prior
notice. PrivacyGuard and Credit Alert are registered service marks of Cendant Publishing, Inc.
© 2005, Trilegiant Corporation
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