Here's what you'll get right from your online banking and mobile app at no cost.
- Credit Score Monitoring: Check out your VantageScore® 3.0.1
- Dark Web Monitoring2: We scan the web for fraudulent use of your personal information including name, address, email and more.
- Personal Information Monitoring3: We scan your name in real time to see how much of your private information has been exposed on Data Broker sites.
- Online Subscriptions View: Access a consolidated view of your subscriptions to see where your dollars are going.
In addition to the no cost features within The Hub, you can upgrade to The Hub Premium for $8.99/month4 to unlock:
- Credit Monitoring and Alerts from all Three Bureaus: Get alerts whenever there is a credit event such as a new account being opened or a hard credit inquiry. Additional alerts, such as balance changes, public records, address changes, delinquencies, and credit score changes are also available.
- Social Security Number Monitoring: Detect and prevent identity theft occurring outside of the credit bureaus’ vision.
- Change of address alerts: Detect and be alerted when there has been an unauthorized change of address.
- Identity Theft Insurance5: Up to $1M of identity restoration and protection against identity theft.
- Identity Restoration: Access hands-on assistance restoring compromised identity
- Removal of personal information from Data Broker Sites: Leverage automated services to continuously remove your personal data from these sites
- Ongoing Web Monitoring for Newly Exposed Private Information: Continuously monitor Data Broker sites and get alerts when your personal information resurfaces.
- Online Subscriptions Cancellation: With just a single button, cancel unused or low value subscription. We know life gets busy and keeping track of your finances shouldn't be complicated.
No extra logins. No separate apps. Just smarter financial tools, right where you bank.
1 VantageScore is a registered trademark of VantageScore, LLC.
VantageScore 3.0, with scores ranging from 300 to 850, is a user-friendly credit score model developed by the three major nationwide credit reporting agencies, Experian®, TransUnion®, and Equifax®. VantageScore 3.0 is used by some but not all lenders. Higher scores represent a greater likelihood that you'll pay back your debts, so you are viewed as being a lower credit risk to lenders. A lower score indicates to lenders that you may be a higher credit risk.
There are three different major credit reporting agencies, Experian, TransUnion, and Equifax that maintain a record of your credit history known as your credit file. Credit scores are based on the information in your credit file at the time it is requested. Your credit file information can vary from agency to agency because some lenders report your credit history to only one or two of the agencies. So your credit scores can vary if the information they have on file for you is different. Since the information in your file can change over time, your credit scores also may be different from day-to-day. Different credit scoring models can also give a different assessment of the credit risk (risk of default) for the same consumer and same credit file.
There are different credit scoring models which may be used by lenders and insurers. Your lender may not use VantageScore 3.0, so don't be surprised if your lender gives you a score that's different from your VantageScore. (And your VantageScore 3.0 may differ from your score under other types of VantageScores). Just remember that your associated risk level is often the same even if the number is not. For some consumers, however, the risk assessment of VantageScore 3.0 could vary, sometimes substantially, from a lender’s score. If the lender's score is lower than your VantageScore 3.0, it is possible that this difference can lead to higher interest rates and sometimes credit denial.
2Dark Web monitoring consists of searching for up to 1 Social Security number, 10 driver's licenses, up to 10 credit and debit cards, up to 10 bank accounts, 10 passports, up to 10 phone numbers, up to 10 email addresses, up to 10 physical addresses, and 10 medical IDs. We partner with Constella Intelligence who searches thousands of internet sites where it is suspected that consumer's personal information is being bought and sold. Constella Intelligence regularly reviews and adds new sites to search; however, there is no guarantee that Constella Intelligence will be able to locate and search every possible internet site as some sites are not published and frequently change. Dark Web monitoring may take several days to begin and may not occur during your access period.
3 Data Broker sites are sites that trade personal information for profit - names, addresses, phone numbers, social security numbers and more. As a result, consumers are at risk of identity theft, financial hacks, account takeovers, spam, robocalls, and physical threats including stalking, harassment and doxing. Please note that the list of Data Broker sites being scanned may change as we do not crawl all Data Broker sites.
4 Plus applicable taxes. $8.99 (plus applicable tax) will be debited from your account when you enroll, and then monthly until you cancel.
5 Terms and conditions apply. The Identity Theft Insurance is underwritten and administered by AIG. This description is a summary and is solely intended for informational purposes and may 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. Review the Summary of Benefits.