You'll have access to all three credit reports and scores. Reviewing your credit report is the best way to find inaccuracies that could harm your credit, as well as spot signs that your identity may be in jeopardy.

*Your VantageScore® Scores™ are provided by VantageScore Solutions LLC. Although these scores are not used by lenders to evaluate your credit, they are intended to reflect common credit scoring practices and are designed to help you understand your credit. Your scores are based on information from the files at the three major credit reporting agencies. Your scores may not be identical or similar to scores you receive directly from those agencies or from other sources.

*Trilegiant Corporation, Trilegiant Insurance Services, Inc., Alliance Marketing Association and their credit information subcontractors shall not have any liability for the accuracy of the information contained in the credit reports, credit scores, Credit Alert® reports or other reports which you receive in connection with the IdentitySecure service, including any liability for damages, direct or indirect, consequential or incidental.

Help protect your credit and personal information with 24/7 monitoring of your files at all three credit reporting agencies - Experian, Equifax, and TransUnion. You'll receive alerts by text or email when certain changes occur in your credit files, which could indicate potential fraud.

*Daily monitoring will notify you of certain new inquiries and derogatory information, accounts, public records, or change of address that have been added to your credit reports as reported by all three of the major credit reporting agencies. If no information has been added or changed, then you will receive a monthly notification stating that no information has changed within your credit file.

Our Score Tracker lets you see fluctuations in your credit score month over month.

*Score Tracker displays your Experian Scorex PLUS^SM credit score. Although this score is not used by lenders to evaluate your credit, it is intended to reflect common scoring practices. Your score is calculated using a specific algorithm and is based on information from the files at Experian. Your score may not be similar to scores you receive directly from Experian or from other sources.

This educational tool allows you to see how certain changes in your financial behavior could impact your credit scores, and helps you to better manage current debt or plan for upcoming purchases.

You can simulate different scenarios using the calculators available, including: debt payoff, debt consolidation, fixed mortgage calculator, home budgeting calculator, and auto loan calculator.

Our Credit Information Hotline puts you in touch with experts that can answer any questions you may have regarding your credit. This toll-free support number also provides assistance with disputing inaccuracies in your credit reports, scores, and monitoring alerts.

In the unfortunate event that you are a victim of identity fraud, IdentitySecure has your back. You'll have personal assistance resolving your case from a dedicated FCRA-trained caseworker that will support and guide you every step of the way.

ID Verification Monitoring helps to prevent your information from being used for fraudulent activities that may result in identity theft, account takeovers, or account compromises. Should we find that your information has been used, we'll alert you within minutes and provide you with expert assistance assessing the potential threat.

*The information network is comprised of many U.S. credit issuers, including credit card issuers, retailers, and telecom companies. However, IdentitySecure's information network does not include all companies that require verification of your identity prior to providing you with a service or credit. As a result, it is possible that fraudulent attempts to verify your identity could be submitted using your personal information that are not detected by IdentitySecure.

Real-time monitoring of up to 10 credit/debit cards and your Social Security number in various underground and black market websites where identity thieves are known to buy and sell personal information. An early warning email alert will be sent if any of your monitored information is found available for sale.

*IdentitySecure monitors up to ten registered credit/debit cards, up to ten registered bank accounts, and your Social Security number on the Internet, based on an extensive search of Internet chat rooms; however, it is impossible to ensure that all Internet chat rooms have been searched for your personal information. Accordingly, your monitoring alert reports may not contain or apprise you of all your personal information that is publicly available or that may have been compromised.

We'll scan public records and credit header data sources to help locate and identify records associated with your Social Security Number. Results are prioritized and logged, helping you determine if your information was compromised.

*IdentitySecure monitors your Social Security number in credit headers and public data sources; however, it is impossible to ensure that all public data sources have been searched. Accordingly, the high and low risk events identified by IdentitySecure may not contain or apprise you of all instances in which your Social Security number may have been compromised.

IdentitySecure searches internet directory sites and search engines for your monitored phone numbers, email addresses and mailing addresses. You'll receive email alert notifications if any of your monitored information is found and provide you with instructions on how to remove your information.

*IdentitySecure monitors up to three of your current or past mailing addresses, three of your phone numbers, and three of your email addresses on the Internet based on a search of Internet directories; however, we cannot ensure that all internet directories have been searched for your personal information. Accordingly, we may not be able to apprise you of all of your personal information that may have been compromised.

Consolidates and formats data from thousands of sources, including real estate records, courts and legal records, criminal records, bankruptcies, liens and judgments, into a single report so you can see where your personal information is available to the public.

We'll monitor your public records for changes in your criminal records, bankruptcy filings, liens and court judgments, making it easier to keep your public information up-to-date and rectify potentially damaging errors.

*IdentitySecure compiles a Public Records Report and monitors your personal information on the Internet, based on an extensive search of public databases, directories, and Internet chat rooms; however, it is impossible to ensure that all public databases, directories, and Internet chat rooms have been searched for your personal information. Accordingly, your Public Records Report and monitoring alert reports may not contain or apprise you of all of your personal information that is publicly available or that may have been compromised.

As a member, you'll receive up to $1,000,000 in identity theft insurance if your identity should become compromised. If the unthinkable happens, you'll be covered for many of the eligible expenses associated with resolving identity theft and restoring your good name.

*The Identity Theft Insurance benefits are provided to all members, along with all other benefits afforded as part of IdentitySecure, through Alliance Marketing Association (the "Association"). Upon enrollment in the IdentitySecure service, you will automatically be admitted as a member of the Association. The Identity Theft Insurance is underwritten by insurance company subsidiaries or affiliates of American International Group, Inc., (collectively, the "Company") under group policy # 7077733 and 1423212. The Benefit Summary under the master policy issued by the Company with respect to such insurance will be available to you upon enrollment in IdentitySecure. The summary of policy benefits, terms, conditions, exclusions, and limits of coverage set forth in the Benefit Summary are subject to the terms of the master policy. Availability of coverage is subject to underwriting qualifications and state laws and regulations. Coverage is subject to actual policy language.

*IMPORTANT NOTICE: YOUR LIABILITY FOR UNAUTHORIZED USE UNDER FEDERAL LAW: For credit cards: If the card issuer has notified you of your maximum potential liability, has provided a means for you to notify the card issuer of credit card loss, and if the credit card contains a means of identifying the cardholder or authorized user, then your liability for unauthorized use of your card before the card issuer is notified is no more than $50.00 on each card. For debit and cash machine (ATM) cards: Your liability for unauthorized use of the card is no more than $50.00 if you notify the card issuer of card loss within two business days after you learn of the card loss. After that, your liability is up to $500.00, provided that the card issuer establishes that the unauthorized charges would not have occurred if you had notified the card issuer within the two business day period. In addition, if you do not notify the card issuer within 60 days after a periodic statement showing unauthorized transfers is sent to you, then you will also be liable for the amount of unauthorized transfers that occurred after the 60-day period and before notice to the card issuer, provided that the card issuer establishes that the unauthorized charges would not have occurred if you had notified the card issuer within the 60-day period.

*Your card issuer's liability policy may provide for lesser liability amounts than indicated above. Consult your card issuer's terms and conditions for specific details. The policy of many card issuers is not to hold cardholders liable. Nothing set forth in your membership materials alters any rights or liability you may have under federal or state law with respect to unauthorized or erroneous transactions on your card or bank accounts. You are not required to have this service to maintain your credit, debit or ATM cards.

*The federal Fair Credit Billing Act gives you the right to dispute billing errors, such as unauthorized charges, on your credit card by notifying your credit card company in writing within 60 days after the first bill containing the error was sent to you. The credit card company must resolve the dispute within two billing cycles (not to exceed 90 days) after receiving your notification. You may withhold payment on the disputed amount (and related charges) during the investigation. You must pay the amount not in dispute. You will be informed in writing whether your bill is correct or contains an error. If your bill contains an error, it will be corrected.

*IdentitySecure is a service of Trilegiant Corporation in conjunction with Trilegiant Insurance Services, Inc. and Alliance Marketing Association. Trilegiant Insurance Services, Inc. does not receive any compensation from the sale of the identity theft insurance benefit included as part of the IdentitySecure service.

If you discover that your credit cards are missing, IdentitySecure can help. Our specialists will notify your credit card issuers, cancel your lost or stolen cards, and request that replacements be issued promptly.

*Some financial institutions may require you to call them directly and will not accept notification from third parties in which case we will contact you so that you can call your financial institution directly.

Our convenient online tool helps streamline the identity theft prevention and recovery process. You can choose to set fraud alerts and, should you become a victim, the online guide will provide step-by-step instructions for resolving issues.

We help to reduce the amount of pre-approved offers for credit and insurance that you receive in the mail.

The Secure Keyboard protects and keeps your personal conversations secure by encrypting keystrokes and protecting your information from Malware, allowing you to surf, share, shop, and bank with more confidence on your mobile and tablet devices.

The Secure Keyboard is compatible with iPhone and iPad. The secure keyboard requires the most current iOS and Android operating system or one prior. The iOS secure keyboard may not be supported by all mobile applications. If an application opts out then the secure keyboard cannot be used and the iOS system keyboard will be used.