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Terms and Conditions
Fraud Protection Center
As a CreditSecure® enrollee, you are already aware of the importance of monitoring your credit. By switching your enrollment to our online enrollment, you will have access to practical tools, online access to Experian®, EquiFax®, and TransUnion® credit reports as well as e-mail alerts of key changes to your credit reports1.

Yes, I want to switch to a CreditSecure® online enrollment. I will continue to be automatically billed a monthly fee of $14.99 to my Card account until I cancel. I will not be billed for additional months after cancellation. If I choose to cancel CreditSecure®, I will continue to receive benefits until the end of the monthly enrollment period in which I cancel and will not receive a pro-rata refund for that period's fees. Sales tax added where applicable. I will no longer receive offline materials.
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Questions? Call 1-866-617-1893.

SERVICES ONLINE ENROLLEES OFFLINE ENROLLEES
Credit Reports May request credit reports from each of Experian®, Equifax® and TransUnion® (collectively the "3 Major Bureaus") twice every 30 days Credit reports from each of the 3 Major Bureaus sent by mail yearly with quarterly updates
PLUS Scores2 PLUS Scores calculated when credit reports are requested, based on information from each of the 3 Major Bureaus PLUS Scores calculated based on information from each of the 3 Major Bureaus sent by mail yearly
Credit Monitoring Daily monitoring of credit reports from each of the 3 Major Bureaus Daily monitoring of credit reports from each of the 3 Major Bureaus
Credit Report Alerts Email alerts of key changes in any of your reports Mailed alerts of key changes in any of your reports
Fraud Resolution Representative Toll-free fraud resolution representatives can be reached by dialing 1-866-617-1893 Toll-free fraud resolution representatives can be reached by dialing 1-866-617-1893
Score Trending Your PLUS Score is tracked and graphed month by month None
Score Simulator The score simulator provides a look at the factors that impact your PLUS Score®2 None
Financial Calculators The calculators are based on your input and are available in categories from debt to mortgage to budgeting None

1. In order to provide you with benefits, CreditSecure® relies on information provided by the 3 Major Bureaus. There may be times where it cannot obtain information from one or more of the bureaus. In these cases you may be unable to receive credit reports, monitoring and/or PLUS Scores. If we learn you are not receiving your benefits, steps will be taken to address these issues including billing suspension and/or cancellation of the service. See Terms and Conditions for more details.
2. The PLUS Score® is a number that is designed to represent your overall credit risk. You should receive three PLUS Scores. Each PLUS Score® is a credit score calculated based on information in the individual credit report provided by one of the 3 Major Bureaus. While PLUS Scores may approximate credit scores used by lenders, PLUS Scores are not used by lenders and your PLUS Scores may not match credit scores actually used by lenders. Thus, you should not rely only on PLUS Scores to understand how lenders will view your creditworthiness. Lenders use several different credit scoring models.
Switch to an online CreditSecure® enrollment today to experience the difference.
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