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Frequently Asked Questions

YOUR ClickMyCredit MEMBERSHIP

What is ClickMyCreditSM?

What's included with my ClickMyCredit membership?

How do I access my ClickMyCredit membership benefits?

When will I receive my Welcome email and login instructions?

YOUR TRIPLE BUREAU CREDIT SCORES

How can I view my Triple Bureau Credit Scores?

I have a membership ID number. Why do I have to create a username and password?

What is Identity Verification, and how does it work?

I'm selecting the correct answer(s). Why won't Identity Verification confirm my identity?

Why do I need to provide my Social Security number?

Why can't I access my credit scores?

Why are my credit scores different at each of the three bureaus?

How can I view my updated Triple Bureau Credit Scores?

How often can I request my updated Credit Scores?

YOUR CREDIT ALERT SERVICE

What are Triple Bureau Credit Alerts, and how does Credit Monitoring work?

How much does Credit Monitoring cost me?

When will I receive Credit Alerts?

What kind of credit activity will I receive Credit Alerts about?

What do I do if I receive a Credit Alert about credit activity that I don't recognize?

How can I view my Credit Alert history?

YOUR ID THEFT CONSULTATION & RESTORATION SERVICE

What is the Identity Theft Consultation service, and how can I use it?

When should I activate my Kroll Identity Theft Consultation & Restoration service?

How do I activate my Kroll Identity Theft Consultation & Restoration service?

GENERAL ACCOUNT QUESTIONS

How can I cancel my membership?

Can I cancel parts of my ClickMyCredit membership?

I forgot my membership ID number. What should I do?

Is there a trial membership period? How does it work?

How can I change my address on file?

How can I contact you?

Is this website secure?

What is your Privacy Policy?

How do I stop receiving future marketing emails?

What do I do if I can't find the question that I'm looking for?




YOUR ClickMyCredit MEMBERSHIP

What is ClickMyCreditSM?

ClickMyCreditSM is a comprehensive credit management and identity theft protection membership program. It provides you with unlimited online access to your Triple Bureau Credit Scores, daily Triple-Bureau Credit Alerts via email of critical changes to your credit files, and Identity Theft Restoration Services.

As a member, you also have access to a variety of other benefits, including exclusive discounts on Internet security software, an online Learning Center full of informative articles, and much more!

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What's included with my ClickMyCredit membership?

As a member of ClickMyCredit, you'll receive:

• Unlimited online access to your credit scores from all three credit bureaus: TransUnion, Equifax, and Experian.

• Credit Alerts via email whenever there is credit activity in your name

• Unlimited, toll-free access to our Credit Customer Service team

• Access to a team of licensed investigators who truly understand the problems surrounding identity theft and are available to answer your questions and offer their expertise regarding any concerns you may have. And should you become a victim of identity fraud, your investigator will help restore your identity to its pre-theft status

• Access to the free Online Retirement Estimator

• Exclusive savings on Internet security software to help you keep your personal information safe online

• A complimentary Family Organizer CD-Rom from Kiplinger to help you keep your family's personal information organized and safe

• Complimentary access to Locksmith Rebate certificates and a Lost Key Return service

• Access to our online Credit and Identity Theft Learning Center

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How do I access my ClickMyCredit membership benefits?

To access your ClickMyCredit membership benefits, log into www.ClickMyCredit.com using your membership ID number and zip code. Once you're logged into the website, you can access all of your membership benefits.

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When will I receive my Welcome email and login instructions?

You'll receive your Welcome email within 24 hours after enrolling in the program. Please make sure you add membersavings@clickmycredit.com to your address book to ensure the email reaches your inbox.

If you misplaced or did not receive your Welcome message, please send us an email or call us toll-free at 1-800-436-5491 so we can resend it.

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YOUR TRIPLE BUREAU CREDIT SCORES

How can I view my Triple Bureau Credit Scores?

To get your Credit Scores, follow these steps:

1. After you've logged into www.ClickMyCredit.com, click "Start Here"* on the Welcome page.

2. Next, create a secure username and password with our credit services provider. This will provide you with additional security, helping to ensure that only you can view your personal information online.

3. You'll then be asked to verify your identity with our credit service provider by answering a series of questions based on the information found in your credit history. You may be asked questions about your:

• Social Security number

• Personal loan and mortgage account numbers

• Previous addresses and employers

After you've completed the identity verification process, click "Next" to view your credit scores!

*If you've already created a username and password, or if you've already viewed your credit scores as a member of ClickMyCredit, click "Login" and provide the username and password that you previously created.

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I have a membership ID number. Why do I have to create a username and password?

In addition to your member ID number, you'll also need to create a username and password with our credit service provider in order to access your Credit Scores and Credit Alerts. Your security and privacy are of the utmost importance to us, and this extra layer of protection provides you with additional security when accessing your personal information online.

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What is Identity Verification, and how does it work?

The Identity Verification process protects your privacy by ensuring that only YOU can view your Triple Bureau Credit Scores.

Identity Verification confirms your identity through a series of questions based on accounts and personal information contained in your credit history. Here's how it works:

• The system presents you with a question based upon information contained in your credit information.

• You select the answer from a list of possible choices, and your answer is compared with the information on file.

• When enough correct information about you has been confirmed, you'll have access to your online credit scores.

• If your identity can't be confirmed online, you'll be given instructions on how to continue.

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I'm selecting the correct answer(s). Why won't Identity Verification confirm my identity?

The Identity Verification process pulls specific information from your credit history, and sometimes this information isn't up-to-date or is inaccurate. For example, you may have recently paid off a loan that hasn't been reported to the credit bureau yet. If you're unable to pass Identity Verification, you'll be instructed on how to proceed, depending on your particular situation.

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Why do I need to provide my Social Security number?

Your Social Security number is needed to help verify your identity the first time you access your credit scores. The credit bureaus require your Social Security number, date of birth and address before they can grant access to your credit information. You'll only need to provide it during the identity verification process. We won't keep or share this personal information with anyone; it's strictly for identity verification purposes only.

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Why can't I access my credit scores?

There are some instances in which we're unable to provide members with immediate online access to their credit scores. These instances can occur when:

• We aren't able to verify your identity. For your security, we only deliver your credit scores when you pass our online identity verification process.

• We're experiencing a technical issue. If you believe we're experiencing a technical issue, send us an email now so we can resolve the problem.

• The credit bureau doesn't return a credit information. Sometimes the credit bureau doesn't have enough information to create a credit score for you. If this is the case, you will be instructed on how to continue.

If you need more information, please contact us online or call us at 1-800-436-5491.

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Why are my credit scores different at each of the three bureaus?

Banks, retailers, and other sources aren't required to report your credit transactions to every credit bureau, so the information at one credit bureau may be different than the information at another bureau. Since your credit scores are calculated based on the information at each bureau, your credit score can vary.

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How can I view my updated Triple Bureau Credit Scores?

If you've already ordered your Credit Scores as a member of ClickMyCredit, you can request your updated scores by following these steps:

1. After you've logged into www.ClickMyCredit.com, click "Login"* on the Welcome page, and enter the username and password that you previously created.

2. Next, click the "Request " link. Our credit services provider will then ask for your permission to access your personal information. Select "I Agree," and click "Confirm."

3. Finally, click the "Credit Center" tab at the top of the page. To view your updated Credit Scores, click "Credit Score" in the "Credit Center" sub-menu.

*If you haven't yet created a username and password, click "Start Here" to complete the identity verification process and view your credit scores.

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How often can I request my updated Credit Scores?

As a member of ClickMyCredit, you can request your credit scores every 30 days. Checking your credit scores at all three bureaus each month will help ensure that inaccurate or fraudulent information is corrected promptly — before it negatively affects your credit score.

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YOUR CREDIT ALERT SERVICE

What are Triple Bureau Credit Alerts, and how does Credit Monitoring work?

Triple Bureau Credit Alerts are email notifications that are sent to members of ClickMyCredit when there is credit activity in their names at the three national credit bureaus -- TransUnion, Equifax, and Experian.

Once you request your credit scores as a member of ClickMyCredit, your credit monitoring service is automatically activated. You'll receive a Credit Alert whenever one of the three credit bureaus posts new information. The alerts will be sent to the email address you provided during enrollment.

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How much does Credit Monitoring cost me?

Credit monitoring is one of the benefits you receive when you join ClickMyCredit, so it's covered by your monthly membership fee.

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When will I receive Credit Alerts?

As a member of ClickMyCredit, your credit information will be monitored every day, and you'll be alerted immediately via email if there are critical changes at any of the three bureaus — TransUnion, Equifax, and Experian. You'll also receive a monthly credit summary email if no activity occurs, as well as a quarterly credit summary email.

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What kind of credit activity will I receive Credit Alerts about?

As a member of ClickMyCredit, you'll be notified immediately about any of the following activity:

• Suspicious activity that could be the result of fraud

• Activity that could improve or hurt your credit score

• New inquiries (companies or creditors requesting your credit report, usually as the result of a recent credit application)

• New accounts opened in your name

• Late payments

• Bankruptcies and other public records

• New addresses

• New employers

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What do I do if I receive a Credit Alert about credit activity that I don't recognize?

Suspicious activity could be caused by:

• An identity thief who made a transaction, a loan application, or other credit-related behavior in your name

• An error made by a vendor reporting to the credit bureau

• An error made by the credit bureau itself

If you see suspicious activity, you should investigate it immediately. To begin an investigation, contact the appropriate credit bureau; they'll walk you through the process of disputing the information. The contact information for the bureaus is as follows:

Equifax
P.O. Box 740256
Atlanta, GA 30374
(800)-685-1111
Website: www.equifax.com

Experian
PO Box 2002
Allen, TX 75013
(888) 397-3742
Website: www.experian.com

TransUnion LLC
P.O. Box 2000
Chester, PA 19022
(800) 888-4213
Website: www.transunion.com

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How can I view my Credit Alert history?

To view your credit monitoring alert history, follow these steps:

1. After you've logged into www.ClickMyCredit.com, click "Login"* on the Welcome page, and enter the username and password that you previously created.

2. Next, click the "Credit Center" tab at the top of the page.

3. Finally, click "Credit Alerts" in the "Credit Center" sub-menu. You'll then be able to view your Credit Alert history.

*If you haven't created a username and password yet, click "Start Here" to complete the identity verification process and activate your credit monitoring.

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YOUR ID THEFT CONSULTATION & RESTORATION SERVICE

What is the Identity Theft Consultation service, and how can I use it?

The Identity Theft Consultation service is provided by Kroll Inc. and is included with the price of your ClickMyCredit membership. In order to be eligible to use the service, you must activate* the service before using it, and you must still be a member of ClickMyCredit when you access the service.

Once the service is activated, you can have greater peace of mind knowing that, whether you think you're a victim of identity theft or not, you have access to Kroll's team of Licensed Investigators, who will answer your questions and guide you through the following situations:

• You want to understand best practices for financial transactions, use of Social Security numbers, consumer privacy, shopping or communicating online, preventing identity theft of the deceased, protecting the identity of minors, and more.

• Your wallet or purse is lost or stolen, and you want to know what you should do.

• You receive a security breach letter indicating that your information has been compromised, and you want to know how you should respond.

• You want to inquire about collection agency abuse and your rights.

• You need help analyzing and interpreting your credit information.

• You need assistance with placing a fraud alert or freeze on your credit.

• And much more!

*Please note that you won't be charged any additional fee for activating this service.

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When should I activate my Kroll Identity Theft Consultation & Restoration service?

You can activate your Identity Theft Consultation & Restoration service at any time after you become a member of ClickMyCredit, but you must activate the service before you can use it.

Please note, however, that in order to be eligible for Identity Theft Restoration, you must activate the service before you become a victim of identity theft.

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How do I activate my Kroll Identity Theft Consultation & Restoration service?

To activate* your Identity Theft Consultation & Restoration service, follow these steps:

1. After you've logged intowww.ClickMyCredit.com, click the "Activate your service" link on the right side of the Welcome page.

2. Next, click "I Accept" at the bottom of the page. This is all you need to do to activate your Kroll Identity Theft Consultation & Restoration service.

*Please note that you will not be charged an additional fee for activating this service.

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GENERAL ACCOUNT QUESTIONS

How can I cancel my membership?

You can cancel online by submitting an email via the Contact Us page, or you can cancel by calling us toll-free at 1-800-436-5491.

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Can I cancel parts of my ClickMyCredit membership?

No. Unfortunately, we can’t separate out specific benefits from the total package. ClickMyCredit is a complete package of benefits that are designed to work together to assist our members.

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I forgot my membership ID number. What should I do?

If you forgot your membership ID number, click here to retrieve it.

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Is there a trial membership period? How does it work?

Upon enrolling in ClickMyCredit, you may have a trial membership period during which you can use all of the program benefits as much as you'd like. If you find the service is not for you, you can cancel by calling 1-800-436-5491 toll-free before the trial period ends, and you won't be charged a membership fee. If you wish to continue with your membership after the trial period you agreed to, the membership fee will automatically be charged to the billing source authorized by you at the time of enrollment. Online enrollees will be charged a refundable $1.00 processing fee, in accordance with the agreed-upon enrollment terms.

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How can I change my address on file?

Visit our Contact Us page to send us an e-mail, or call us toll-free at 1-800-436-5491. If you choose to send an e-mail, please select the "Program/Benefit Questions" subject heading, and be sure to include your name, membership ID number, old address, and new address for the address change.

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How can I contact you?

Visit our Contact Us page to send an e-mail, or call us toll-free at 1-800-436-5491.

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Is this website secure?

ClickMyCredit wants you to feel completely safe and secure during your visit to our website. Protecting your credit information and identity is our first priority. That's why we use the latest security technology to protect your private information during any transaction you make with ClickMyCredit.

Our website uses 128-bit Secure Sockets Layer (SSL) technology that encrypts (or scrambles) your information during the transmission of any personally identifiable information you submit, including your credit card information. Encrypting your private information prevents it from being read while it's being transferred through the Internet. We contract with industry experts to institute and review our web security on a periodic basis.

Here's how to tell that your ClickMyCredit transaction is secure:

• If you're using a Netscape or Microsoft browser, you'll see a small key or padlock in the bottom right-hand corner of your browser window. This indicates that your transaction is secure.

• Look at the URL address. A URL that begins with "https://" is also an indication that your credit card information is being transmitted to a secure server.

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What is your Privacy Policy?

Click here to read our Privacy and Security Policy.

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How do I stop receiving future marketing emails?

Click here to visit our Contact Us page. Once you're there, select "Unsubscribe from future marketing" from the drop-down menu, and email us your request. Please be sure to include your name and membership ID number as well as the email address you'd like us to remove from our distribution list.

Please note that you'll continue to receive emails about your account as long as you're an active member of ClickMyCredit.

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What do I do if I can't find the question that I'm looking for?

Send us an email, and a Customer Care Representative will get back to you as soon as possible!

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Contact Us | Terms of Site Use | Your Privacy Rights | Terms of Membership | FAQs

ClickMyCredit provides you with the tools you need to access and monitor your financial/credit information through the program's credit reporting and monitoring benefits. ClickMyCredit and its benefit providers are not credit repair service providers and do not receive fees for such services, nor are they credit clinics, credit repair or credit services organizations or businesses, as defined by federal and state law.

*Credit information provided by TransUnion Interactive, Inc.

This page contains links to an external site that is not owned or controlled by ClickMyCredit. Please note that any personal information collected via the link is not covered under our privacy policy.

All Rights Reserved. Copyright © 2012 ClickMyCreditSM.