Your Credit Score provides a snapshot of your current credit-worthiness based on an evaluation of common factors many creditors use to decide whether or not to extend credit. It outlines both the positive and negative factors that impact your credit score and compares your credit score to the national average.

How Credit Monitoring and Alerts help protect your credit file from fraudulent activity

1. Notify Express checks your Equifax credit file for activity every business day.
2. Notify Express alerts you via e-mail, phone, U.S. mail, or text-enabled cell phone or pager, so you can act immediately to fraudulent credit activity. You will receive an alert when new accounts are opened, inquiries are made, or address changes occur.

Identity thieves don't just steal your money. They rob you of your time, your credit, and your reputation. CreditProtect provides you with your personal Quarterly Credit Update that carefully reviews your credit information from the top 3 credit agencies; Equifax®, Experian® and TransUnion^SM every quarter to help keep you financially fit and secure. Plus, you'll receive an updated credit score so you can track your progress over time. Your three-month inventory of credit activity includes:

• Lists new accounts opened in your name.
  
• Records all inquiries made into your credit files.
• Notifies you of address changes submitted to your credit file.
• Tracks any identification information changes.
• Lists any accounts in collection.
• Details possible negative information on your credit file.
• Updates account balance increases greater than 20%.
• Notifies you of account status changes.
• Records all closed accounts, items removed from your credit file, and any credit limit increases.
• Notes all public record items, including judgments, bankruptcies, and liens.
• Lists all existing accounts without significant changes.

Why Use Credit Analyzer?

If you've been thinking of financing a large purchase, such as buying a house or a new car, keep in mind that lenders view your credit score when reviewing your loan application. With a higher credit score, not only are loans easier to obtain, but people with a higher credit score generally receive lower interest rates — and that saves you a considerable amount of money over time. Understanding what causes your credit score to go up or down is the first step in earning better credit.

Creating "What If?" Scenarios on the Web

Credit Analyzer is a real-time credit-analysis tool that allows you to create "What If?" scenarios to see how changing one or more credit variables may affect your creditworthiness. By creating the "What If?" scenarios, you'll see how changes in each of the variables may raise or lower your credit score. Simply select a scenario and begin experimenting. It's that easy! By having the opportunity to create "What If?" scenarios, you can discover the impact certain financial decisions may have on your credit score. Credit Analyzer can help you understand your credit in many ways:

• See how applying for credit, refinancing a loan, or missing payments may affect your credit score
• Understand how your credit score can change over time
• Develop strategies for paying off existing debt and other important financial decisions
• And much more!

• Lost wages (up to $500 per week for a maximum of four weeks) as a result of time taken off from work to deal with the fraud including wrongful incarceration. Lost wages must occur during the policy period.
• Notary and certified mailing costs for completing and delivering fraud affidavits or similar documents.
• Loan application fees for re-applying for loans when the original application is rejected solely because the lender received incorrect information due to an identity theft.
• Long distance phone charges associated with reporting or discussing an actual identity fraud.
• Attorney fees incurred (with prior consent) for defending suits brought incorrectly by merchants and their collection agencies, for removing criminal or civil judgments wrongly entered against an Insured Person, and for challenging information in a consumer credit report.

Insurance underwritten by Travelers Casualty and Surety Company of America and its property casualty affiliates, Hartford, CT 06183. Coverage for all claims or losses depends on actual policy provisions. Availabilityof coverage can depend on underwriting qualifications and state regulations. Coverage not available for residents of New York.

Understanding your credit and fighting fraud can be confusing. That is why CreditProtect has highly trained specialists available Monday through Friday, 8 a.m. - 11 p.m. and Saturday, 9 a.m. - 6 p.m. Eastern, to provide one-on-one personal assistance.

• Contact the three leading consumer credit reporting agencies (Equifax, Experian and TransUnion) on your behalf to place a Fraud Statement in your credit file
• Assist you in contacting the affected creditors and law enforcement agencies
• Assist you in filing disputes with the credit reporting agencies
• Send you a Fraud First Aid Kit containing important contact phone numbers and addresses, and a Contact List that you can use to keep track of all phone contacts made when trying to clear your credit and name.