Citi's Credit Monitoring Service

Here are the details of what this Service provides and remember it comes with a 30 day free trial and then all these services are one low price of $12.95 per month. Make an investment in your future and start polishing your credit today!



Citi® Credit Monitoring Service



Citi® Credit Monitoring Service is a comprehensive suite of tools that helps you proactively monitor, manage and protect your valuable credit and identity information. This comprehensive service provides protection unlike any other service by helping you detect and respond quickly to fraudulent activity. And, with our dynamic credit management resource tools, you will have the ability to make better financial and credit decisions.



Credit Monitoring & Alerts



Credit card and identity fraud costs consumers over $1 billion annually. Notify ExpressSM is a fast, convenient way to keep track of your credit information and detect the early signs of fraudulent activity before they ruin more than your bank account. It helps you to stay informed and act quickly if potentially fraudulent activity appears.



How Notify Express monitoring and alerts help protect your credit file from fraudulent activity:



1. Notify Express checks your Equifax credit file for activity every business day.

2. Notify Express alerts you via e-mail, U.S. Mail, phone alerts, or text messaging to your mobile phone or pager – so you can act immediately in the event of fraudulent activity. For example, you will receive an alert when new accounts are opened, inquiries are made or address changes occur on your credit file. The sooner you know about changes, the sooner you can take action.



Credit Report



Citi® Credit Monitoring Service provides your credit report compiled with data from Equifax, a major credit reporting agency. Also included are detailed instructions on how to interpret this valuable information, a glossary to help you navigate complex credit terms, and a contact directory for each of your creditors.



Credit Score



Credit scores provide a snapshot of your current credit-worthiness based on an evaluation of common factors many creditors use to decide whether or not to extend credit. Citi® Credit Monitoring Service outlines both the positive and negative factors that impact your score and compares your score to the national average so you know how you are doing and what you need to do to improve your score.



Credit Analyzer



Understanding Credit Analyzer
Whether you're thinking about refinancing a loan, paying off some credit card debt or just looking to improve your credit score, the online Credit Analyzer tool helps you plan for the future. See how your credit score could change by interacting with existing accounts, account balances, and credit limits. Credit Analyzer is here to help!



Why Improve Your Credit Score?

If you've been thinking of financing a large purchase, such as buying a house or a new car, keep in mind that lenders view your credit score when reviewing your loan application. With a higher credit score, not only are loans easier to obtain, but people with a higher credit score generally receive lower interest rates — and that saves you a considerable amount of money over time. Understanding what causes your credit score to go up or down is the first step in earning better credit.



Creating "What If?" Scenarios on the Web

Credit Analyzer is a real-time credit-analysis tool that allows you to create "What If?" scenarios to see how changing one or more credit variables may affect your creditworthiness. By creating the "What If?" scenarios, you'll see how changes in each of the variables may raise or lower your credit score. Simply select a scenario and begin experimenting. It's that easy! By having the opportunity to create "What If?" scenarios, you can discover how to improve your credit score. Credit Analyzer can improve your understanding of your credit in many ways:



* See how applying for credit, refinancing a loan, or missing payments may affect your credit score

* Understand how your credit score can change over time

* Learn multiple ways to improve your credit score

* And much more!



Identity Theft Insurance



Citi Credit Monitoring Service offers members an Identity Theft Expense Reimbursement Coverage that reimburses victims of identity theft from certain expenses up to $25,000. Expenses covered include:



* Lost wages (up to $500 per week for a maximum of four weeks) as a result of time taken off from work to deal with the fraud. Lost wages must occur during the policy period.

* Notary and certified mailing costs for completing and delivering fraud affidavits.

* Loan application fees for re-applying for loans which were declined due to erroneous credit information that had reflected the identity theft.

* Long distance phone charges associated with re-establishing your identity.

* Attorney fees incurred (with prior consent) for defending suits brought incorrectly by merchants and their collection agencies, for removing civil judgments wrongly entered against the victim, and for challenging information in a credit file.



Credit Education & Fraud Specialists



Credit Education Specialists are trained to answer questions about your member benefits, credit report, credit score, identity theft protection, and other issues.



Consumer Fraud Specialists are your powerful allies after a fraud or identity theft attack. They walk you through all the steps required to restore your credit.



Citi® Credit Monitoring Service’s highly trained specialists are available at 1-866-311-6742, Monday - Friday, 8 a.m. to 11 p.m. and Saturday, 9 a.m. to 6 p.m. Eastern time, to provide one-on-one personal assistance.



Citi® Credit Monitoring Service provides a membership upgrade at no additional cost. With 3-in-1 Credit Report and 3 Scores, you receive three credit reports and three scores providing side-by-side comparisons and data provided from the three major credit reporting agencies: Equifax, Experian and TransUnion.