Monitor your credit, protect your identity, safeguard your personal data, and manage subscriptions—all in one powerful, easy-to-use platform.
Credit monitoring
Standard Features – INCLUDED
- Dashboard Access
Instantly view your credit score right from your app’s dashboard. - Frictionless Identity Verification
Secure and seamless authentication to protect your data. - Credit Score (1 Bureau)
View your VantageScore 3.0 from Experian—updated regularly.
Premium Upgrade – $8.99/month
Unlock powerful tools to monitor and protect your credit across all bureaus.
- 3-Bureau Credit Monitoring
Get real-time alerts and insights from Experian, Equifax, and TransUnion. - Change Alerts
Be the first to know about any changes to your credit reports—new accounts, inquiries, or suspicious activity.
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What is included in the Credit Score and 3B Monitoring service? The service provides users with their Experian, Vantage 3.0 credit score and alerts them to changes across all three major credit bureaus—Experian, TransUnion, and Equifax—ensuring comprehensive monitoring of their credit profile.
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How often is my credit score updated?The user’s credit score is updated monthly. However, if users are on the Premium Plan, they will receive alerts immediately if there are any significant changes to their credit report from any of the three bureaus.
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I recently applied for a loan. Why doesn’t my credit score match in online banking? This score is based on the VantageScore® 3.0 model. There are other scoring models and the credit score provided may not be the score used by lenders to make credit decisions.
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I received a credit alert that seems to be incorrect. What should I do? The user should contact the appropriate credit bureau for more information.
identity protection
Standard Features – INCLUDED
- Dark Web Monitoring
We scan the dark web for signs of your personal information—like your name, address, and email—being used fraudulently.
Premium Upgrade – $8.99/month
Go beyond the basics with full-spectrum identity protection.
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- SSN Monitoring
Detect and prevent identity theft that may not show up on your credit report.
- Change of Address Alerts
Get notified if someone tries to reroute your mail without your permission.
- ID Theft Insurance
Up to $1 million in coverage for identity restoration and theft-related expenses.*
- ID Restoration Assistance
Work with dedicated specialists to recover your identity if it’s ever compromised.
- SSN Monitoring
What does the identity protection service cover? Our free identity protection service monitors the user’s personal information on the dark web and alerts them to potential fraud. The Premium Plan also includes services such as SSN monitoring, change of address alerts, and identity restoration support in case of identity theft.
How do I know if my identity is compromised? The user will receive an alert in their entry tile anytime we detect unauthorized or suspicious use of their personal information, allowing them to take prompt action.
How do I view my identity protection alerts? From the dashboard in digital banking, click on “View more” within the credit and identity protection services tile and navigate to ‘Identity Alerts’ on the left-hand menu bar. Here the user can view all alerts related to their identity.
personal info protection
Standard Features – INCLUDED
- View Exposed Private Information
Instantly see how much of your personal data—like your name, address, and email—has been exposed online, with real-time scanning.
Premium Upgrade – $8.99/month
Actively remove and monitor your personal information online.
- Automated Removal from Data Broker Sites
Continuously scrub your personal data from people-search and data broker websites. - Ongoing Web Monitoring
Stay protected with continuous scans and alerts when your private information resurfaces online.
What is Personal Information Protection? Personal Information Protection helps secure users’ personal information by identifying and removing their data from various data broker sites, minimizing their online exposure.
How can I see where my information is exposed? The user can access a detailed summary by navigating to the Personal Info Protection view which lists all sites where their personal information has been found, along with the actions taken to remove or secure it.
subscription monitoring
Standard Features – INCLUDED
- View Online Subscriptions
Get a clear, consolidated view of all your active subscriptions in one place—no more guessing where your money is going.
Premium Upgrade – $8.99/month
Take control of your recurring expenses with ease.
- Cancel Subscriptions with One Tap
Quickly cancel unused or low-value subscriptions directly from the app—no phone calls or emails required.
How often are the subscriptions refreshed? The subscriptions are refreshed daily for the Premium Users and weekly for Free Users.
What types of subscriptions show up in SM? Subscription Manager tracks a wide range of subscriptions including streaming services, software licenses, gym memberships, and other recurring charges linked to the user’s primary financial accounts.
What if I don’t have any subscriptions that are charged to my account? If there are no subscriptions with the accounts that the user is logged into with, the product doesn’t show any subscriptions.
How do joint accounts show up in SM? If there are subscriptions on accounts a user is joint on, they will appear in subscription manager and show as tied to the joint account.
how do i cancel?
