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Get peace of mind: Credit monitoring with NordProtect

  • Receive security warnings about suspicious credit activity.
  • Get an individual monthly credit score.
  • Always know what’s in your credit file.
Available to U.S. customers only.
A woman uses NordProtect for credit monitoring.
A woman uses NordProtect for credit monitoring.
A woman tracks her credit activity with NordProtect.

What is credit monitoring?

Credit monitoring is a service that tracks your credit file and alerts you about any sudden changes or suspicious activity. You will get an alert when a new account is opened in your name, your credit score changes, or a lender or company makes a hard inquiry. It allows you to take immediate action in case someone else is using your identity.
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Why monitor credit with NordProtect?

Credit monitoring is a great way to protect yourself from identity theft.

Early detection

Early detection

You will be alerted about unusual changes in your credit file, allowing you to act fast to help prevent fraud.
Regular updates

Regular updates

By knowing your credit score and monitoring its progress, you can make sure it’s always where you want it.
Peace of mind

Peace of mind

Knowing that someone is watching your back, or rather, credit health, reduces anxiety.
Credit files alerts

Credit file alerts

You’re regularly notified about new accounts, credit inquiries, or late payments, so you can act quickly to help prevent fraud.
Identity theft protection

Identity theft protection

NordProtect offers identity theft protection, which can help you recover your stolen identity and prevent future misuse.
Users can see what impacts their credit score.

How does NordProtect credit monitoring work?

When you start using NordProtect, you’ll need to add the relevant personal information and complete identity verification and authentication. We need that information to enroll you in credit monitoring services. Once that’s done, you’ll receive warnings to keep you informed about activity that may indicate the risk of fraud or identity theft.

You will also get detailed information about your credit file every month, including a VantageScore® 3.0 credit score with insights into factors that may be affecting it, helping you to take action to change it, prevent fraud, or even stop someone from trying to steal your identity.

Finally, if something happens, NordProtect will direct you to the TransUnion® website, where you can freeze your credit file through the TransUnion® Credit Freeze assistance guidelines.

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What services are included in credit monitoring?

NordProtect offers multiple services as part of the credit monitoring feature:
New inquiry

New inquiry

A new inquiry was placed on your credit file.
New account

New account

A new account was opened in your name.
Delinquent account

Delinquent account

You didn't pay a creditor on time, and the account is now 30, 60, or 90 (or more) days late or delinquent.
Improved account

Improved account

The account no longer has a "derogatory" status.
Account included in bankruptcy

Account included in bankruptcy

Someone filed for bankruptcy and listed this account as one that they can't pay for.
Name and address monitoring

Name and address monitoring

A difference in your name or address was detected on the credit file associated with your social security number.
New public record

New public record

A new public record was added to your credit file.
New address

New address

An account in your name has a different address than the one on your credit file.
New employment

New employment

A new employer appeared on your credit file.
Fraud alerts

Fraud alerts

A fraud alert has been placed on your credit file.
New authorized user

New authorized user

You were added as an authorized user on a credit card.
Bank card goes over credit limit

Bank card goes over credit limit

The balance on your card exceeds the credit limit.
Closed tradelines

Closed tradelines

A tradeline in your name was closed.
Decrease in collection balances

Decrease in collection balances

There was a decrease in the balance of all your collections.
Increase in collection balances

Increase in collection balances

There was an increase in the balance of all your collections.
Lost/stolen card

Lost stolen card

A card in your name was indicated as lost or stolen.
New auto lease

New auto lease

A car lease was opened in your name.
New charge-off

New charge-off

Your account's status changed from "delinquent" to "charge-off".
New foreclosure

New foreclosure

There was an increase in the number of foreclosures.
Paid collections

Paid collections

A collection associated with your name was fully paid.
Paid tradelines

Paid tradelines

A tradeline your name was fully paid for.
Retail card goes over credit limit

Retail card goes over credit limit

The balance on a retail card in your name exceeds the credit limit.
VantageScore® 3.0 credit score increase

VantageScore® 3.0 credit score increase

VantageScore® 3.0 credit score increased by 10 points or more.
VantageScore® 3.0 credit score decrease

VantageScore® 3.0 credit score decrease

VantageScore® 3.0 credit score decreased by 10 points or more.

Keep your credit score pristine with NordProtect

A user reviews their VantageScore® 3.0 credit score.

FAQ

How often should I check my credit score?

Checking your credit score once a year may be enough to stay informed about your financial health. But with NordProtect, you will get a detailed summary and your credit score every month. This way, you will always be informed about your financial status and able to detect potential fraud and identity theft early.

What’s the difference between a credit report and a credit summary?

A credit report contains a comprehensive history of your credit activity, including personal information, payment history, credit accounts, inquiries, public records (like bankruptcies), and outstanding debts. It gives a full picture of your financial behavior over different periods of time.

A credit summary is a condensed version of the credit report. It highlights the main information, like your total number of accounts, current balances, and credit score without including the minutiae of each account.

What factors can impact my credit score?

Your financial activity may have an impact on your credit score. How and when you pay your bills and debts matters a lot, as well as the way you manage your credit cards. Maintaining a longer credit history and responsibly handling your finances and credit types may also have an impact on your credit score.

If your credit score suddenly plummets, it may be a sign of identity theft — make sure to investigate further.

Which details in my credit file may indicate fraud?

There are many details in your credit file that may indicate fraud. Look for accounts you didn't open, incorrect personal information like unfamiliar addresses or phone numbers, and credit inquiries from companies you have no dealings with. You should also look for unexpected changes in account balances, delinquencies or missed payments on accounts you don’t recognize, and any accounts sent to collections without your knowledge. You should also be alarmed by any public records like bankruptcies or legal judgments that you were not involved in.

These discrepancies might mean that someone has stolen your identity. If you notice any of these signs, investigate further and consider placing a fraud alert or credit freeze on your report to protect yourself.