Why should I sign up for credit monitoring?
  • Credit monitoring can help alert you to key changes in your Equifax credit reports.
  • Credit monitoring can quickly alert you to signs of potential identity theft.

 


 

With Credit Watch™ Gold, you’ll receive:
  • Notifications of key changes to your Equifax credit report
  • Daily access to your Equifax credit report¹
  • Automatic fraud alerts: When activated, an initial fraud alert will appear on your credit reports and will be automatically renewed every year²
  • Up to $25,000 of insurance coverage to help with certain out-of-pocket expenses in the event you are a victim of identity theft3

 


 

How it works

What you need to know

Military members on active duty status; reservists performing duty under a call or order to active duty under a provision of law; and members of the National Guard. 

Retired military members are not eligible for this product.

A new federal law which amends the Fair Credit Reporting Act requires the three nationwide credit bureaus (Equifax, Experian and TransUnion) to offer free credit monitoring services to active duty military members and members of the National Guard.

Active duty military members and members of the National Guard are eligible to receive the product. You may be asked to recertify your eligibility every two years. 

  1. Under certain circumstances, access to your Equifax Credit Report may not be available as certain consumer credit files maintained by Equifax contain credit histories, multiple trade accounts, and/or an extraordinary number of inquiries of a nature that prevents or delays the delivery of your Equifax Credit Report. If a remedy for the failure is not available, the product subscription will be cancelled and a full refund will be made.

  2. The Automatic Fraud Alert feature is made available to consumers by Equifax Information Services LLC and fulfilled on its behalf by Equifax Consumer Services LLC.

  3. Identity theft insurance is underwritten by American Bankers Insurance Company of Florida or its affiliates. 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.