60 votes - Finance - First release: 2017-08-08T22:58:54Z
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Description - 4+
As we become more digitally dependent, Identity Theft Protection is becoming increasingly important. With the ID Watchdog Mobile App, keeping a pulse on your personal and financial information has never been easier. Your phone travels with you, so you won’t have to worry about missing an alert when you’re on the go. As an ID Watchdog subscriber, you can access key features from your phone or tablet to: • Receive alerts, drill into details immediately, learn what an alert means and what you should do about it, and flag alerts for follow-up • Lock or unlock your Equifax® credit report and/or your TransUnion® credit reports, depending on your plan, and control who can access your credit report(s) with certain exceptions¹ • Activate an Equifax Child Credit Lock to help you better protect against credit fraud in your child’s name • Add wallet contents for Dark Web monitoring and quick access in the event of a lost or stolen wallet • Stay up-to-date on your VantageScore® credit score, and see how it’s trending over time • Control your ID protection preferences, including alerts and security settings Catch Activity Early—Resolve Problems Before They Grow Receive alerts on your phone so you can take immediate action if necessary—even when you’re away from your computer. The quicker you take action, the more likely you are to resolve a problem before it grows. Credit Report Lock—You’re in Charge Locking your credit report(s) is an effective way to provide additional protection against unauthorized access and to help better protect against identity thieves from opening new accounts in your name. Depending on your plan, lock or unlock access to your 1-Bureau credit report (Equifax) or Multi-Bureau credit reports (Equifax and TransUnion).¹ Plus, through your ID Watchdog account, activate a Child Credit Lock for your minor child to help you better protect against credit fraud in your child’s name by creating an Equifax credit report for your child then locking it to prevent access to it by potential lenders and creditors. We’re Here for You Reach a US-based Customer Care Specialist whenever you need help, 24 hours a day, 7 days a week, 365 days a year. If your identity is stolen, our certified specialists fully manage your case until it is resolved. What You Need to Know The credit scores provided are based on the VantageScore® 3.0 model. For three-bureau VantageScore credit scores, data from Equifax®, Experian®, and TransUnion® are used respectively. Any one-bureau VantageScore uses Equifax data. Third parties use many different types of credit scores and are likely to use a different type of credit score to assess your creditworthiness. ¹Locking your Equifax or TransUnion credit report will prevent access to it by certain third parties. Locking your Equifax or TransUnion credit report will not prevent access to your credit report at any other credit reporting agency. Entities that may still have access to your Equifax or TransUnion credit report include: companies like ID Watchdog and TransUnion Interactive, Inc. which provide you with access to your credit report or credit score, or monitor your credit report as part of a subscription or similar service; companies that provide you with a copy of your credit report or credit score, upon your request; federal, state, and local government agencies and courts in certain circumstances; companies using the information in connection with the underwriting of insurance, or for employment, tenant or background screening purposes; companies that have a current account or relationship with you, and collection agencies acting on behalf of those whom you owe; companies that authenticate a consumer’s identity for purposes other than granting credit, or for investigating or preventing actual or potential fraud; and companies that wish to make pre-approved offers of credit or insurance to you. To opt out of pre-approved offers, visit www.optoutprescreen.com.