Frequently Asked Questions
Next Generation Credit Monitoring!
With iCreditHelp credit monitoring services, consumers can better protect themselves against both Identity Theft & Credit Account Fraud.
Consumers get an interactive control center to manage, monitor, & protect their money, credit, and identity! Other products just provide basic credit data with no options for the consumer to take action. By combining a 3 Bureau Credit Report with secure connections to all their financial institution accounts via our exclusive Money Manager feature consumers have an integrated easy-to-read Smart Credit Report® plus $1 Million Identify Fraud Insurance!
Identity Theft & Credit Fraud Is Growing!
9 million Americans experience credit card fraud & identity theft each year, identity theft insurance has quickly become a basic essential need for consumers to protect themselves from loss!
Identity theft is when a fraudster steals your personal data (such as your name, address, phone number, social security number, credit card number, passport number, IDs, driver's license number, etc.) and other forms of your identity to commit crimes in your name. Identity thieves have one common goal: to steal your personally identifiable information (PII) and use it to gain financially by committing fraud.
For example: Cybercriminals use Dark Web sites to buy or sell personal information, which is often used to commit identity theft. Pieces of your personal information can be combined into a synthetic identity, which can be used by criminals to commit various types of fraud that can compromise your identity without your knowledge.
Our $1 Million Family Fraud Insurance gives you peace of mind in the event that you or a family member in your household becomes the victim of identity theft.
$1 Million Identity Theft Insurance Details
*Upon activation of your policy, your membership provides the $1,000,000.00 Identity Fraud Insurance benefits:
- Zero $0 Dollar Deductible!
- Covers your entire family residing within your household.
- Covers your Bank, Savings, Brokerage, Lines of Credit, Credit Card and more!
- Covers your cash out of pocket expenses incurred during your ID recovery.
- Covers your Credit Reports
- Covers pre-existing Identity Fraud you may not know about
- Replacement costs due to stolen Driver’s License
- Replacement costs due to stolen Passport
*Our Identity Fraud Expense Reimbursement is provided under a Blanket Policy issued by Voyager Indemnity Insurance Company, an Assurant Specialty Property company.
Click To Make A Claim.
Please log in to your account and click on Alerts. There you will see a link to make a claim.
3 Bureau Monitoring Is Recommended.
With Standard & Advanced Plans, members will receive monthly detailed credit report data from the 3 major Credit Bureaus: Equifax, Experian, and TransUnion. The Essentials Plan will provide a detailed 1 bureau report monthly from TransUnion.
Credit Bureaus Are For-profit Companies
The Credit Bureaus are independent companies & not government institutions. In fact, the 3 Major Credit Bureaus compete with each other to collect, categorize, & maintain consumer credit data. They offer, sell, & verify consumer data to interested 3rd party institutions for a profit. Financial institutions, banks, lenders, and financial technology companies pay millions of dollars to gain legal access to consumer credit data. These institutions in-turn target consumers for marketing & promotional campaigns, data analysis & aggregation, and finally creditor & collection company reporting data. It is generally accepted that the 3 major credit bureaus are:
However, information that is provided to each of the three credit bureaus may be different due to the individual creditors furnishing your data. For example, one credit bureau may have different creditor account details reporting along with more or fewer inquiries than the other two. Some creditors only report to 1 bureau.
Because of this, it's recommended that you request your credit report with each of the three major bureaus so that you have a comprehensive look into your financial standing, and quickly identify any difference that could potentially be affecting it. Monitoring your credit is difficult without the right technology.
Your iCreditHelp membership provides an advanced platform to monitor your financial, credit, & identity protection all in one easy-to-use tool.
Bureaus Collect Data, but Do NOT Score!
Your credit report contains several pieces of crucial information, such as your credit history, the different types of credit you have previously used, and for how long, any outstanding debts you may have, and how frequently you made payments on the agreed-upon due dates every month.
The data within your credit report is used by various lenders and creditors to determine your financial responsibility, and whether or not you are a risk in terms of extending credit. Lenders, banks, insurance companies, and financial institutions rely upon both Credit Bureau Data and 3rd party Credit Scoring companies producing unique credit scores on each consumer's file to evaluate and determine risk for lending or to issue ratings on credit-based services like insurance.
However, credit scores are not shown on your credit report because they represent a different insight into your credit. Credit reports indicate your credit activity, while credit scores reflect a calculation of your credit activity by a 3rd party credit score analytics company. The 3rd party credit scoring company uses their proprietary credit scoring algorithm to determine your credit score by analyzing a consumer's information contained at each credit bureau.
The two most commonly encountered Credit Scoring Companies by consumers are: Fair Issac Corporation (FICO®) & VantageScores®. While each company does produce credit scores, their scores are used entirely different by financial institutions. Your iCreditHelp Portal contains scores from VantageScores®.
Credit reports contain data from four main categories of personal and financial information.
Personally Identifiable Information (PII): Refers to personal information that can be used to identify you, such as your full name, current and previous address, date of birth, and social security number.
Credit Accounts: Each credit account you have opened with various creditors and lenders.
Credit Inquiries: Inquiries are a record of who has accessed you credit report and on what date. Hard inquiries are made each time you apply for a new line of credit, while soft inquiries are made each time you view your credit report.
Public Record and Collections: Refers to personal information such as bankruptcies, debt collections, and any pending legal issues.
VantageScores® 3.0 and more!
3 Bureau Credit Scores:
VantageScores® is a subsidiary of TransUnion Credit Bureau. Your Credit score is the Vantage 3.0 Credit Score jointly created by Experian, TransUnion and Equifax. It is the #1 competing credit score to FICO®.
VantageScores® Auto Score:
This represents your possible risk to an auto lender when purchasing or leasing a car.
VantageScores® Insurance Score:
This represents your possible risk to an insurance company if they underwrite your insurance.
VantageScores® Hiring Risk Index:
Many employers can view your credit report (not your credit score) when evaluating decisions to hire or promote. This Hiring Risk Index can help you better prepare for when an employer may look at your credit report.
Generally Accepted Score Ranges.
Credit scores are used by financial companies to help them determine if a consumer has any potential risk in extending them credit. Most often, credit scores are used by financial institutions, credit card companies, and car dealerships to determine whether or not they should provide you with credit, and what the terms, interest rate, and down payment of the credit will be.
Credit score calculations are placed into five categories between the ranges of 300-850:
- Poor: 579 or below
- Fair: 580-669
- Good: 670-739
- Very Good: 740-799
- Excellent: 800 or above
Generally, credit scores above 670 are considered good, and a credit score above 800 is considered to be an excellent credit score. Most consumers fall somewhere between 600 to 750.
Your Credit Scores Are Safe!
No. Any update to your iCreditHelp Smart Credit Report® or to your 3B Report and Scores is a personal inquiry or a “Consumer Inquiry.” It does not appear on your credit report as a hard or soft inquiry and does not harm your credit score in any way. Rest assured we got you protected!
Self-Service Cancellation Options
You may cancel your Membership without any further obligation or cost to you. Canceling your Membership Account will immediately cease any additional charges. You may cancel and/or reactivate at any time.
PLEASE NOTE: Cancellation options are designed to be 100% self-service & do not require you to speak with any team member "live" over the phone.
OPTION # 1: Cancel By Email
Simply, send a short email with the words: "Please kindly cancel my membership"
- Send to: email@example.com (click the email address)
- Please ensure that you are emailing from the same email account (your username) we have on file for you, so we can instantly confirm that you did in fact send the email.
- Sending your cancellation request from a different email account will prevent the iCreditHelp Customer Support Team from verifying the email came from you, and we will not be able to confirm the email is coming from you to finalize the cancellation.
- You will need to provide the following personal identifying information to complete cancellation by chatbot / web chat.
- Full Name (including your middle name)
- Phone # on file
- Select Option #3.
- Leave a detailed voicemail with your following personal information on file.
- Please kindly state that that you want to cancel your membership.
- Clearly state & spell your Username (this is your email on file)
- Clearly speak your Full Name (including your middle name)
Trial Membership Details
We provide a 7 day Trial Period, you may cancel your account within your 7 day trial period without any obligation or additional cost to you.
The 7 days begins on the day you enroll, so you will be billed immediately on day 7.
During your trial period you will get full access to all the features of our product. However, the total number of Actions and Credit Score updates may be limited.
After your trial period, your monthly Membership fees will be billed according to the Membership plan you have selected at enrollment.
You may cancel and/or reactivate at any time.
Your Membership fees are for your credit scores and credit monitoring.
In some cases, certain apps or third party offers may present you with offers that may require a fee. You are under no obligation to accept them.
Customer Support Form Link & Options
After clicking the above iCreditHelp Icon, the following options are available from the drop down menu:
- General Questions
- Membership Question
- Opt out of email marketing
- Opt out of telephone marketing
- Reactivate Account
- Technical Assistance
- First Name
- Last Name
- Email Address
- Phone Number
- Comments (optional, but encouraged to help expedite your request)