How It Works

ScoreSense™ makes it easy to access your credit history, spot threats to your identity, and resolve inaccuracies and fraud. Our comprehensive dashboard puts your credit, identity, and neighborhood information at your fingertips, making your life simpler and more secure.

• Easily access your latest credit reports and scores
• Receive alerts when important changes happen to your credit
• Detect fraud faster with ID Score®
• Learn about new threats to your identity on the internet and in commercial databases

ScoreSense makes it easy to manage your credit, stay a step ahead of identity thieves, and be aware of the criminals living in your zip code. Learn more about how our features can save you time, money, and anxiety.

• Quick Links:
• How it Works: Credit
• How it Works: Identity
• How it Works: Neighborhood

How it Works: Credit

Know where your credit stands with comprehensive credit reporting and monitoring from ScoreSense.

Feature	How it Helps
Credit Reports and Scores	Know how you look to potential lenders, landlords, insurers, and employers. Easy, instant access to your credit history means you see what they see. ScoreSense delivers your latest credit reports and scores every month from all three credit reporting agencies–TransUnion, Equifax, and Experian–giving you a complete picture of your credit.
ScoreTracker™	Track your credit score progress from month to month to help reach your credit goals. ScoreTracker plots your credit scores from TransUnion, Equifax, and Experian for up to two years.
ScoreCast™	What could happen to your credit if you miss a mortgage payment, pay down debt, or take out a new loan? ScoreCast is a score simulator that reveals how your credit score may change after you take a certain action.*
Credit Alerts	Catch errors and fraud early with instant credit alerts. We'll notify you when important changes happen to your credit history, like delinquent payments or new account openings.
Dispute Center	Save money by clearing your credit report of mistakes and fraud. The ScoreSense Dispute Center shows you how to correct credit report errors, which can damage your credit score and cost you money when you go to apply for new loans.

*Credit score predictions are estimates only, not to be taken as guarantees of future scores.

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How it Works: Identity

We dig deep to discover fraud happening in your name and give you the tools to reclaim your identity.
You can rest easy knowing you'll receive alerts when new threats arise.

Feature	How it Helps
ID Score®	Determine your risk of identity theft. ID Score® calculates your likelihood of falling victim to fraud based on a revolutionary risk formula.
Identity Report™	Learn if someone is using your good name to take out a loan or posting your identity credentials on the internet black market. Our state-of-the-art identity monitoring features scour millions of internet sites, public records, and more to uncover illicit use of your personal identifying information.
Identity Alerts	Learn immediately about suspicious activity before it ruins your good name. ScoreSense sends you alerts whenever we discover a change of address, payday loan, or criminal record in your name.
Personal Identity Coverage	Don't get stuck paying out-of-pocket expenses if an identity thief targets you. ScoreSense members are eligible to receive up to $1,000,000* to cover the costs related to fraud recovery.

*Identity theft insurance underwritten by subsidiaries or affiliates of American International Group, Inc. The description herein is a summary and intended for informational purposes only and does not include all the terms, conditions, and exclusions of coverage. Coverage may not be available in all jurisdictions.

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How it Works: Neighborhood

Detailed sex offender information at your fingertips gives you one more way to help keep your family safe.
Unlike other services, we alert you to nearby sex offenders who are registered both in state and out of state.

Feature	How it Helps
Neighborhood Report™	Knowledge is power, especially when it comes to keeping your family safe. Know how many sex offenders live near you and see a comprehensive map that includes panoramic street views, plus details and photos of offenders.
Sex Offender Alerts	Be the first to know when a new sex offender moves into the neighborhood. ScoreSense sends you instant alerts to your e-mail so you learn of potential new threats.

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