As part of your employee benefits package, your IDShield® membership helps protect one of your most important financial assets—your credit.
Your credit score impacts your ability to buy a home, finance a vehicle, qualify for loans, and even secure favorable insurance rates. Monitoring and protecting it isn't opitonal anymore, it’s essential.
What Is Credit Monitoring?
Credit monitoring keeps track of changes to your credit profile and alerts you to important activity, including:
- Sudden drops in your credit score
- New accounts opened in your name
- Hard inquiries from lenders
- Suspicious or unfamiliar activity
For example:
- Charges appearing in unfamiliar locations
- A new credit card or loan you didn’t authorize
- Personal information being used without your consent
Early detection allows you to act quickly, freezing credit, changing passwords, or contacting a licensed identity specialist before damage escalates.
What Credit Monitoring Doesn’t Do
It’s important to understand the difference between monitoring and protection.
Credit monitoring alone:
- Cannot fully prevent identity theft
- Cannot stop fraudsters from using stolen information
- Cannot restore your identity after theft
That’s where full-service identity theft protection matters—helping you detect potential threats earlier and providing support if your identity is compromised.
The Benefits of Credit Monitoring Through IDShield
With IDShield coverage included in your benefits, you receive more than just alerts, you receive proactive service to help you stay ahead of the risk.
Key Benefits:
- Real-Time Alerts
Continuous monitoring of your credit file(s) to notify you quickly of suspicious changes. - Monthly Credit Score Updates
Track your progress and make informed financial decisions. - Identity Monitoring
Monitoring of personal data, including your Social Security number and other sensitive information that you choose to provide in your profile. The more information you include, the more effectively, IDShield can monitor for potential threats and alert you to suspicious activity. - Full-Service Identity Restoration
If your identity is compromised, licensed private investigators work on your behalf to restore it to its pre-theft status, saving you time, stress, and paperwork. - Cybersecurity Protection
Malware protection and VPN services to helps safeguard your online activity. - Identity Fraud Protection Plan
Up to $5 million in identity fraud protection coverage (plan dependent).
Your Credit Monitoring Options
Some banks offer limited monitoring services. The three major credit bureaus – TransUnion, Experian, and Equifax – also offer monitoring options.
However, most basic services only alert you to activity. They don’t provide hands-on restoration support if fraud occurs.
With IDShield, you receive:
- 1-bureau or 3-bureau credit monitoring
- Robust identity monitoring
- Privacy and reputation management
- Assistance correcting credit report errors
- Support stopping unwanted credit offers
- Loan fraud detection
Do You Really Need Credit Monitoring?
In a word, yes.
Identity theft continues to rise, and many victims don’t realize their information has been compromised until significant damage has already occurred.
You can attempt to monitor everything yourself, but doing so requires constant vigilance, regular credit checks, fraud alerts, and manual dispute processes.
Your employee benefit through IDShield simplifies this responsibility giving you professional monitoring and restoration support in one solution.
Protect What You've Worked Hard to Build
Your credit reflects years of financial decisions. One stolen Social Security number or fraudulent account can disrupt that progress overnight.
With IDShield aspart of your employee benefits package, you don’t have to face identity threats alone.
Take advantage of your benefit today and ensure your credit, identity, and reputation are protected so you can focus on what matters most.