When you order your $1 Credit Report and FICO® Score here, you will
begin your 7-day trial
membership‡ in Experian CreditCheck® Total.
You may cancel your trial membership at any time
within 7 days without charge. If you decide not to cancel, your membership will continue and
you will be billed for just $29.99 for each month that you continue your membership. You may
cancel your membership and stop the monthly billing at any time. However, you will not be
eligible for a pro-rated refund of your current month's paid membership fee.
When you order your $1 Credit Report and FICO® Score here, you will begin your 7-day trial
membership‡ in Experian CreditCheck® Total. You may cancel your trial membership at any
time within 7 days without charge. If you decide not to cancel, your membership will
continue and you will be billed for just $29.99 for each month that you continue your
membership. You may cancel your membership and stop the monthly billing at any time.
However, you will not be eligible for a pro-rated refund of your current month's paid
*Credit score is calculated based on FICO® Score 8 model,
unless otherwise noted. In
the FICO® Score 8, we may offer and provide other base or industry-specific FICO®
as FICO® Auto Scores and FICO® Bankcard Scores). Your lender or insurer
may use a different
FICO® Score than FICO® Score 8 or such other base or industry-specific
FICO® Score (if
available), or another type of credit score altogether.
How CreditCheck® Total Helps You
The following resources are available with your monthly membership:
Protecting Your Identity
As many as 16.7 million Americans have their identity stolen each year1.
We're here to
help you protect your identity with daily identity theft monitoring, dedicated Fraud
Resolution Support and up to $1 Million Identity Theft Insurance.※
You can feel secure with 24/7 credit monitoring, without having to do a
thing. If there is any significant change to your credit, you’ll be instantly
notified using an online credit protection alert. Plus, you will receive monthly credit
monitoring notices that provide you with an updated view of your credit at-a-glance.
‡Monitoring with Experian begins within 48 hours of enrollment in your
trial. Monitoring with Equifax® and TransUnion® takes approximately 4
days to begin, though in
some cases cannot be initiated during your trial period. You may cancel your trial membership
any time within 7 days of enrollment without charge.
※Identity Theft Insurance underwritten by insurance company
subsidiaries or affiliates of
American International Group, Inc. (AIG). The description herein is a summary and intended for
informational purposes only and does not include all terms, conditions and exclusions of the
policies described. Please refer to the actual policies for terms, conditions, and exclusions
of coverage. Coverage may not be available in all jurisdictions. Review the Summary of Benefits
FICO® Scores are developed by Fair Isaac Corporation. The FICO Score
provided by ConsumerInfo.com, Inc., also referred to as Experian Consumer Services
("ECS"), in Experian CreditWorksSM, Credit TrackerSM and/or your
free Experian membership (as applicable) is based on FICO Score 8, unless otherwise
noted. Many but not all lenders use FICO Score 8.
In addition to the FICO Score 8, ECS may offer and provide other base or
industry-specific FICO Scores (such as FICO Auto Scores and FICO Bankcard Scores). The
other FICO Scores made available are calculated from versions of the base and
industry-specific FICO Score models. There are many different credit scoring models
that can give a different assessment of your credit rating and relative risk (risk of
default) for the same credit report. Your lender or insurer may use a different FICO
Score than FICO Score 8 or such other base or industry-specific FICO Score, or another
type of credit score altogether. Just remember that your credit rating is often the
same even if the number is not.
For some consumers, however, the credit rating of FICO Score 8 (or other FICO Score)
could vary from the score used by your lender. The statements that "90% of top lenders
use FICO Scores" and "FICO Scores are used in 90% of credit decisions" are based on a
third-party study of all versions of FICO Scores sold to lenders, including but not
limited to scores based on FICO Score 8. Base FICO Scores (including the FICO Score 8)
range from 300 to 850. Industry-specific FICO Scores range from 250-900. Higher scores
represent a greater likelihood that you'll pay back your debts so you are viewed as
being a lower credit risk to lenders. A lower FICO Score indicates to lenders that you
may be a higher credit risk.
There are three different major credit reporting agencies — the Experian credit bureau,
TransUnion® and Equifax® — that maintain a record of your credit
history known as your credit report. Your FICO Score is based on the information in
your credit report at the time it is requested. Your credit report information can vary
from agency to agency because some lenders report your credit history to only one or
two of the agencies. So your FICO Score can vary if the information they have on file
for you is different. Since the information in your report can change over time, your
FICO Score may also change.
Summary Description of Benefits
This Summary Description of Benefits (the "Summary") is provided to inform you that as a
member of CreditCheck® Total you are entitled benefits under the Master Policy
referenced below. This Summary does not state all the terms, conditions, and exclusions
of the Master Policy. Your benefits will be subject to all of the terms, conditions,
and exclusions of the Master Policy, even if they are not mentioned in this Summary. A
complete copy of the Master Policy will be provided upon request.
The Master Policy of Fraud Safeguard Coverage for New York Insureds and the Master
Policy of Personal Internet Identity Coverage for non-New York Insureds (collectively,
the "Master Policy") have been issued to ConsumerInfo.com, Inc. (the "Master
Policyholder"), under Policy Numbers: 1423382 and 7077868, respectively underwritten by
insurance company subsidiaries or affiliates of American International Group, Inc.
(hereinafter "AIG") to provide benefits as described in this Summary.
Should you have any questions regarding the Membership Program provided by the Master
Policyholder, or wish to view a complete copy of the Master Policy, please call the
Experian Customer Care Hotline at 1-866-960-6943.
Limit of Insurance
Aggregate Limit of Insurance:
per policy period
per week, for 5 weeks maximum
per policy period
Elder Care, Spousal Care & Child Care:
per policy period
Certified Public Accountant Costs:
per policy period
per policy period
Reporting a Stolen Identity Event
To report a Stolen Identity Event, please call CreditCheck® Total Customer Care at
1-866-960-6943 to be transferred to the Master Policyholder's Fraud Resolution Unit.
Filing a Claim
If you have any questions regarding the identity theft insurance coverage or wish to
file a claim under the Master Policy, please contact the Insurer at 1-866-IDHelp2
If the Master Policy is terminated, your benefits will cease effective the date
of such termination. It is the obligation of the Master Policyholder to inform you
of any termination of the Master Policy.
We shall pay you for the following in the event of a Stolen Identity Event:
Costs incurred by you for re-filing applications for loans, grants,
other credit or debt instruments that are rejected solely because
the lender received from any source incorrect information as a
result of a Stolen Identity Event;
Costs for notarizing affidavits or other similar documents, long
distance telephone calls, and postage reasonably incurred as a
result of your efforts to report a stolen identity event or amend
or rectify records as to your true name or identity as a result of
a stolen identity event; and
Costs incurred by you for a maximum of six (6) credit reports from
an entity approved by us. The first credit report may not be
requested until after the discovery of a stolen identity event;
Costs incurred by you for ordering medical records for the purpose
of amending and/or rectifying these documents as a result of a
stolen identity event
Costs approved by us, for providing periodic reports on changes to,
and inquiries about the information contained in the insured´s
credit reports or public databases (including, but not limited to
credit monitoring services);
Costs incurred by you for travel within the United States incurred
as a result of the insured´s efforts to amend or rectify records as
to the insured´s true name and identity; and
Costs incurred by you for elder care or child care incurred as a
result of the insured´s efforts to amend or rectify records as to
the insured´s true name or identity.
Costs incurred by you for the replacement of identification cards,
drivers licenses and passports as a result of a stolen identity
Reasonable and necessary costs incurred by you associated with
the use of any certified public accountant engaged to amend or
rectify records as to your true name or identity as a result of a
Stolen Identity Event. We reserve the right to select such
certified public accountant however, with our express prior written
consent, you may select such public accountant.
Actual lost wages that would have been earned in the United States, its
territories or possessions, whether partial or whole days, for time
reasonably and necessarily taken off work and away from your work
premises solely as a result of your efforts to amend or rectify records
as to your true name or identity as a result of a Stolen Identity
Event. Actual lost wages includes remuneration for vacation days,
discretionary days, floating holidays, and paid personal days.
Lost wage reimbursement excludes business interruption or future earning
of a self-employed professional. Computation of lost wages for
self-employed professionals must be supported by and will be based on
prior year tax returns.
Coverage is limited to wages lost within twelve (12) months after your
discovery of a Stolen Identity Event.
Investigative Agency or Private Investigator Costs
Costs associated with the use of any investigative agency or private
investigator engaged to amend or rectify records as to your true name or
identity as a result of a Stolen Identity Event. We reserve the right to
select such investigative agency or private investigator; however, with our
express prior written consent, you may select such investigative agency or
Legal defense fees and expenses
Costs for reasonable fees for an attorney appointed by us and related
court fees, incurred by you with our consent, for:
Any legal action brought against you by a creditor or collection
agency or entity acting on behalf of a creditor for non-payment of
goods or services or default on a loan as a result of a Stolen
Identity Event; and
Removing any civil judgment wrongfully entered against you as a
result of the Stolen Identity Event.
Criminal defense for charges brought against you as a result of a
Stolen Identity Event. However, we will only pay for this after it
has been established by acquittal or dropping of charges because
you were not in fact the perpetrator.
Challenging the accuracy or completeness of any information in your
medical history as a result of a medical identity theft. It is
further agreed that solely with respect to subparagraph (d) you,
with our express prior written consent, may select such attorney.
Challenging the accuracy or completeness of any information in your
tax history as a result of a stolen identity event. It is further
agreed that solely with respect to subparagraph (d) you, with our
express prior written consent, may select such attorney.
A Stolen Identity Event means the fraudulent use of your name, address,
Social Security number, bank or credit card account number or other
personally identifying information or other method of identifying you.
This includes, but is not limited to, the fraudulent use of your
personal identity to establish credit accounts, secure loans, enter
into contracts or commit crimes. Stolen identity event shall include
Medical identity theft. Medical Identity Theft means the theft of the
insured´s personal or health insurance information to obtain medical
treatment, pharmaceutical services or medical insurance coverage.
Medical identity theft also means the theft of the insured´s personal
or health insurance information to submit false claims for medical
services or goods. A Stolen Identity Event does not include the theft
or unauthorized or illegal use of y our business name, d/b/a or any
other method of identifying your business activity.
We shall pay you for the following in the event of an Unauthorized
Electronic Fund Transfer:
The principal amount, exclusive of interest, incurred by you and caused
by an Unauthorized Electronic Fund Transfer first occurring during the
policy period. However, such principal amount shall not include any
amount for which you did not seek reimbursement from the financial
institution which issued the access device and holds the account from
which funds were stolen, and for which you have not received
reimbursement from any other source.
An Unauthorized Electronic Fund Transfer (UEFT) is an electronic fund
transfer from your Account initiated by a person other than you without
the actual authority to initiate such transfer and from which you
receive no benefit. An Unauthorized Electronic Fund Transfer (UEFT)
does not include an electronic fund transfer initiated: 1) by a person
who was furnished the access device to your account by you, unless you
have notified the financial institution that transfers by such person
are no longer authorized; 2) with fraudulent intent by you or any
person acting in concert with you; 3) by the financial institution of
its employee; or 4) from any business or commercial account.
Account means a cash, credit card, demand deposit (checking), savings or
money market account of yours held directly or indirectly by a
financial institution and established primarily for personal, family or
Subject to the Master Policy's terms, conditions and exclusions, the Master Policy
provides benefits to you only if: (1) you report a Stolen Identity Event or an
Unauthorized Electronic Fund Transfer to the Master Policyholder at the contact number
stated above as soon as you become aware of a Stolen Identity Event or a Unauthorized
Electronic Fund Transfer, but in no event later than ninety (90) days after the Stolen
Identity Event or Unauthorized Electronic Fund Transfer is discovered; and (2) you
follow the instructions given to you by the Fraud Resolution Unit. These instructions
will include notifying major credit bureaus, the Federal Trade Commission's Identity
Theft Hotline and appropriate law enforcement authorities. You will also be provided
with a claim form and instructed how to file for benefits under the policy if the
Stolen Identity Event or Unauthorized Electronic Fund Transfer results in losses
covered under the policy.
You will only be covered for a Stolen Identity Event if a Stolen Identity Event is first
discovered while you are a member of the Master Policyholder's insured program and is
reported to us within ninety (90) days of such discovery.
You will only be covered for an Unauthorized Electronic Fund Transfer if an Unauthorized
Electronic Fund Transfer first occurs while you are a member of the Master
Policyholder's insured program and is reported to us within ninety (90) days of such
You will not be covered if the Stolen Identity Event or Unauthorized Electronic Fund
Transfer first occurs after termination of the master policy or termination of your
membership in the Master Policyholder's program.
LIMITS OF INSURANCE
The most we shall pay you cannot exceed the Aggregate Limit of Insurance above. Legal
fees and private investigator fees are subject to prior approval. All Legal Costs shall
be part of and subject to the Aggregate Limit of Insurance. LEGAL COSTS ARE PART OF,
AND NOT IN ADDITION TO, THE LIMIT OF INSURANCE.
The Lost Wages, Travel Expense, and Elder Care/Spousal Care/Child Care Limits of
Insurance shown above are sublimits of the Aggregate Limit of Insurance and the most we
shall pay you for lost wages, travel expense, and elder care/spousal care/child care.
We shall be excess over any other insurance, including, without limitation, homeowner´s
or renter´s insurance. If you have other insurance that applies to a loss under this
policy, the other insurance shall pay first. This policy applies to the amount of loss
that is in excess of the Limit of Insurance of your other insurance and the total of
all your deductibles and self-insured amounts under all such other insurance. In no
event shall we pay more than our Limits of Insurance as shown above.
If you are enrolled in more than one Membership Program insured by us, or any of our
affiliates, we will reimburse you under each membership program:
subject to the applicable deductibles and Limits of Insurance of each insured
but in no event shall the total amount reimbursed to you under all Membership
Programs exceed the actual amount of loss.