Please note: This offer is available for consumers who have already received a promotional
code. Please have your promotional code ready. You will need to enter this code when you place
your order.

If you have already placed your
order, click here to log in

Unlimited access to your Experian Credit Report and PLUS Credit Score^SM.
Daily monitoring of your credit report and email alerts if key changes are detected.
Credit score resources to see and understand how your score can change over time.
$50,000 Identity Theft insurance coverage with no deductible.*
Personal assistance from a fraud resolution representative if you are to become a victim of Identity Theft.
Financial calculators for credit cards, loans, and more!

* Due to New York state law restrictions, coverage cannot be offered to residents of New York.

Please review the Terms and Conditions below and accept by checking the box to accept.
When you are ready to continue processing your membership, click the “Sign Up Now” button to proceed.
The order process consists of two pages. On order page 2, you will be asked to provide your promotional code.

Terms and Conditions

You must scroll down, read and accept these disclosures, disclaimers and authorizations in order to purchase your credit report through this web site.

ACCEPTANCE OF TERMS 
ConsumerInfo.com, Inc., an Experian company, ("ConsumerInfo") provides this web site ("Web Site") to you. This Agreement is made between you and ConsumerInfo, the provider of the products at this Web Site. The Web Site, all products offered on this site, including but not limited to the membership based Products known as TripleAdvantage, TripleAlert, CreditCheck or Credit Manager, and non-membership based Products such as 3 Bureau Credit Report, Instant Single Credit Report, PLUS ScoreSM, Statutory PLUS Score and Free Experian Credit Report (collectively, the "Products"),  and all text, pictures, graphics, logos, button items, images, works of authorship and other information and all revisions, modifications, and enhancements thereto ("Content") are subject to the following terms and conditions, which may be updated from time to time.

YOUR ACCESS TO AND USE OF THIS WEB SITE AND THE PRODUCTS AND CONTENT PROVIDED ON THIS WEB SITE ARE SUBJECT TO THE FOLLOWING TERMS AND CONDITIONS AND ALL APPLICABLE LAWS AND REGULATIONS. PLEASE READ THESE TERMS CAREFULLY. IF YOU DO NOT AGREE WITH ANY OF THESE TERMS OR CONDITIONS, DO NOT ACCESS OR OTHERWISE USE THIS WEB SITE, THE PRODUCTS, OR ANY INFORMATION OR CONTENT CONTAINED ON THIS WEB SITE. YOUR ACCESS TO AND USE OF THIS WEB SITE CONSTITUTE YOUR AGREEMENT TO ABIDE BY EACH OF THE TERMS AND CONDITIONS SET FORTH BELOW.

USE OF THE PRODUCTS 
In consideration of your use of the Content and Products, you agree to provide true, accurate and current information about yourself as prompted by the registration and application forms on this Web Site. By registering on this Web Site, you certify that you are eighteen (18) years of age or older. If any information you provide is untrue, inaccurate or not current, or if ConsumerInfo has reasonable grounds to suspect that such information is untrue, inaccurate or not current, ConsumerInfo, at its sole discretion, has the right to suspend or terminate your use of any Product and refuse all current or future access to the Content and use of the Products or suspend or terminate any portion thereof. Further, you agree that ConsumerInfo will not be liable to you or any third party if ConsumerInfo suspends or terminates your access to the Content or Products for any reason.

You understand that by submitting your order you are providing "written instructions" in accordance with the Fair Credit Reporting Act, as amended ("FCRA"), for ConsumerInfo to obtain information from your personal credit profile from Experian or any other credit reporting company. You authorize ConsumerInfo to obtain such information solely for accessing your credit report to verify your identity and to provide credit monitoring, reporting and scoring products.
 
ARBITRATION
YOU UNDERSTAND AND AGREE THAT ALL CLAIMS, DISPUTES OR CONTROVERSIES BETWEEN YOU AND CONSUMERINFO, AND ITS PARENT, AFFILIATES, SUBSIDIARIES OR RELATED COMPANIES, INCLUDING BUT NOT LIMITED TO TORT AND CONTRACT CLAIMS, CLAIMS BASED UPON ANY FEDERAL, STATE OR LOCAL STATUTE, LAW, ORDER, ORDINANCE OR REGULATION, AND THE ISSUE OF ARBITRABILITY, SHALL BE RESOLVED BY FINAL AND BINDING ARBITRATION AT A LOCATION DETERMINED BY THE ARBITRATOR.  ANY CONTROVERSY CONCERNING WHETHER A DISPUTE IS ARBITRABLE SHALL BE DETERMINED BY THE ARBITRATOR AND NOT BY THE COURT.  JUDGMENT UPON ANY AWARD RENDERED BY THE ARBITRATOR MAY BE ENTERED BY ANY STATE OR FEDERAL COURT HAVING JURISDICTION THEREOF.  THIS ARBITRATION CONTRACT IS MADE PURSUANT TO A TRANSACTION IN INTERSTATE COMMERCE AND ITS INTERPRETATION, APPLICATION, ENFORCEMENT AND PROCEEDINGS HEREUNDER SHALL BE GOVERNED BY THE FEDERAL ARBITRATION ACT ("FAA").  NEITHER YOU NOR WE SHALL BE ENTITLED TO JOIN OR CONSOLIDATE CLAIMS IN ARBITRATION BY OR AGAINST OTHER CONSUMERS OR ARBITRATE ANY CLAIM AS A REPRESENTATIVE OR MEMBER OF A CLASS OR IN A PRIVATE ATTORNEY GENERAL CAPACITY.  THE PARTIES VOLUNTARILY AND KNOWINGLY WAIVE ANY RIGHT THEY HAVE TO A JURY TRIAL.

FCRA DISCLOSURES 
The FCRA allows you to obtain a copy of your consumer credit file disclosure from any consumer credit reporting company for a reasonable charge. The FCRA also states that individuals are entitled to receive a disclosure directly from the consumer credit reporting company free of charge under the following circumstances:
-You have been denied credit, insurance or employment in the past 60 days as a result of your report
-You certify in writing that you are unemployed and intend to apply for employment in the 60-day period beginning on the day you make the certification
-You are a recipient of public welfare assistance
-You have reason to believe that your file at the agency contains inaccurate information due to fraud
The FCRA also permits consumers to dispute inaccurate information in their credit report without charge.  Accurate information cannot be changed.

Beginning December 1, 2004, the FCRA allows consumers to get one free comprehensive disclosure of all of the information in their credit file from each of the three national credit reporting companies once every 12 months through a central source.  Georgia residents can receive two disclosures per year.  The Products on this Web Site are not related to the free FCRA disclosure that you are or may be entitled to.

NOTICE OF PROSECUTION 
Access to and use of password protected and/or secure areas of the Web Site is restricted to authorized users only. Unauthorized individuals attempting to access these areas of the Web Site may be subject to prosecution.

Failure to comply with the FCRA can result in state or federal enforcement actions, as well as private lawsuits. In addition, any person who knowingly and willfully obtains a consumer report under false pretenses may face criminal prosecution.

DISCLAIMERS 
Because we use security measures designed to protect your privacy and to safeguard your information, we may not always be able to provide instant online delivery of your credit report. For certain of our Products, when the system is unable to verify your identity you may be routed through a manual authentication process.  After your identity has been verified, we will send a private access code via U.S. mail to the address in your credit file, which you can use to access your report online.  This process is normally complete within 5 to 7 days. For other products, we cannot offer a manual authentication process and will be unable to fulfill your order if you fail online authentication one or more times.

You must have an email address and a Java-compatible browser such as Netscape Navigator 6.0 or higher, Internet Explorer 5.0 or higher, or AOL 8.0 or higher to receive your reports online.

ConsumerInfo is not responsible for any overdraft/over-the-limit charges or bank fees if your account contains insufficient funds when your order is processed and billed.

We recommend using a credit card rather than a debit card.  Canceling too close to end of trial or renewal date may cause a processing delay and a charge to your account.  If you are eligible for a refund, refunds can take 7-10 business days to be processed.

YOU EXPRESSLY UNDERSTAND AND AGREE THAT YOUR USE OF THIS WEB SITE, THE PRODUCTS AND CONTENT IS AT YOUR SOLE RISK. ALL PRODUCTS, CONTENT, TOOLS AND CALCULATORS ARE PROVIDED ON AN "AS IS" OR "AS AVAILABLE" BASIS. CONSUMERINFO AND ITS SUPPLIERS EXPRESSLY DISCLAIM ALL WARRANTIES, GUARANTEES AND CONDITIONS OF ANY KIND WHETHER EXPRESS OR IMPLIED, INCLUDING BUT NOT LIMITED TO, THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE, TITLE OR NONINFRINGEMENT. THE INFORMATION CONTAINED IN THIS WEB SITE DOES NOT CONSTITUTE LEGAL, TAX, ACCOUNTING OR OTHER PROFESSIONAL ADVICE. CONSUMERINFO AND ITS SUPPLIERS MAKE NO WARRANTY THAT (I) THE PRODUCTS AND CONTENT ARE ACCURATE, TIMELY, UNINTERRUPTED OR ERROR-FREE; AND (II) THE RESULTS THAT MAY BE OBTAINED FROM THE USE OF THE PRODUCTS OR CONTENT WILL BE RELIABLE.

LIMITATION OF LIABILITY 
YOU UNDERSTAND AND AGREE THAT CONSUMERINFO AND ITS SUPPLIERS WILL NOT BE LIABLE FOR ANY DIRECT, INDIRECT, INCIDENTAL, SPECIAL, CONSEQUENTIAL OR EXEMPLARY DAMAGES RESULTING FROM OR IN ANY WAY CONNECTED TO YOUR ACCESS TO, USE, OR INABILITY TO USE THE WEB SITE, PRODUCTS, MEMBERSHIP BENEFITS, OR CONTENT, OR FROM YOUR ACCESS TO, USE, INABILITY TO USE, OR RELIANCE UPON ANY LINKED WEB SITE, EVEN IF CONSUMERINFO OR ITS SUPPLIERS HAVE BEEN ADVISED OF THE POSSIBILITY OF THOSE DAMAGES. SOME JURISDICTIONS EITHER DO NOT ALLOW OR PLACE RESTRICTIONS UPON THE EXCLUSION OR LIMITATION OF DAMAGES IN CERTAIN TYPES OF AGREEMENTS; FOR THESE JURISDICTIONS, THE AFOREMENTIONED LIMITATION ON LIABILITY SHALL BE TO THE MAXIMUM DEGREE PERMITTED BY APPLICABLE LAW.  IF, NOTWITHSTANDING THE ABOVE, LIABILITY IS IMPOSED UPON CONSUMERINFO, THEN YOU AGREE THAT CONSUMERINFO'S TOTAL LIABILITY FOR ANY OR ALL YOUR LOSSES OR INJURIES FROM CONSUMERINFO'S ACTS OR OMISSIONS, REGARDLESS OF THE NATURE OF THE LEGAL OR EQUITABLE CLAIM, SHALL NOT EXCEED THE AMOUNT PAID BY YOU TO CONSUMERINFO UNDER THIS AGREEMENT.

INTELLECTUAL PROPERTY
You acknowledge and agree that (a) all Content is the copyrighted work of ConsumerInfo or its third party content suppliers and is protected by copyright laws, (b) ConsumerInfo's name, the domain www.ConsumerInfo.com, the ConsumerInfo logo, all page headers, custom graphics and button icons are service marks, trademarks and/or trade dress of ConsumerInfo (collectively, "Marks"), and (c) all other trademarks, product names, company names or logos on the Web Site are the property of their respective owners. In addition to agreeing to comply with all applicable laws, you agree you will not use any such Content or Marks from this Web Site for any purpose without the appropriate prior written authorization.

PRODUCT-SPECIFIC TERMS AND CONDITIONS 
The terms explained below are product specific and apply to the particular product indicated in addition to the terms and conditions listed above.

Registering for any Product: To enroll in a monthly/annual credit monitoring Product or to request a credit report or score, you must complete an online registration form, which includes an address within the United States, and you agree to be bound by this Agreement. You must provide valid credit card information. We will then evaluate your complete registration information. We are not able to accept and process joint registration for a married couple.

Credit Monitoring

You understand and agree that we provide a credit monitoring product. We give you access to your credit report and we help you understand the information contained in your credit report. We are not a credit repair organization. We cannot improve your credit report, credit history or credit rating. We do not provide you with advice or assistance in improving your credit report, credit history or credit rating. Accurate adverse information on your credit report cannot be changed. If you believe that your credit report contains inaccurate information, it is your responsibility to contact the relevant credit reporting company, and follow the appropriate procedures for notifying the credit reporting company that you believe that your credit report contains an inaccuracy. Any information provided to you regarding the procedures followed by the various credit reporting companies related to the removal of inaccurate information is provided without charge to you and is available for free. Any such information is not included as part of your credit monitoring product but is provided free of charge to all consumers, regardless of whether they are members of the credit monitoring product.

Your membership in credit monitoring is effective for the period covered by your membership fee and continues upon your payment of the monthly/annual renewal fee. Renewal fees for your membership will automatically be charged, at the then current rate, to the credit card or other billing source authorized by you, until you cancel your membership. Should you choose to discontinue your membership for any reason before expiration of the then applicable membership term for which you have paid, you may cancel your membership and terminate further billing by calling the toll-free number listed on this Web Site. If you are an annual subscriber who is eligible for a refund and choose to cancel within 180 days of when you were billed, you will receive a prorated refund of your current year's membership fee.  If you are a monthly subscriber and choose to cancel after your free trial ends, your membership and monthly billing will terminate immediately and you will not be eligible for a prorated refund of any portion of your paid monthly membership fee. ConsumerInfo reserves the right to change the membership fee for any renewal term to be effective upon the renewal of your membership.

Please note it can take two to three weeks for new members to be enrolled in monitoring.

Credit Monitoring Membership With Trial: The free trial is a special offer limited to first-time customers only.  Returning members will be billed the membership fee immediately upon renewal.  During your trial period, you are eligible for one free report and/or score as dictated by your specific membership terms.  You will be asked for valid credit card information when you sign up for the credit monitoring trial.  ConsumerInfo will verify your credit card information before processing your order. An authorization will be preformed on your credit card, to make sure it is valid and in good standing, but we do not bill your card until the 30-day free trial period has passed. All subsequent reports and/or scores purchased during your trial period will automatically be charged, at the then current rate, to the credit card or other billing source authorized by you. If you do not cancel during your trial period, your membership will continue automatically and the monthly/annual fee will be billed to the credit card or other billing source authorized by you.

Credit Monitoring Membership Without Trial: The monthly/annual fee for a credit monitoring membership without a trial period will be billed immediately to the credit card or other billing source authorized by you.

Credit Reports and Credit Scores

3 Bureau Credit Report, Instant Single Credit Report, PLUS ScoreSM, Statutory PLUS Score and Free Experian Credit Report: When you use our online products to access your personal credit report and/or credit score, you are certifying that you understand and agree to the following: 
* You may access your credit report and/or score for 30 days from the date of payment. 
* Refunds will not be issued once we have successfully located and delivered your credit report and/or score. 
* If you have questions regarding your credit report or would like to dispute information, you may request an investigation by contacting the credit reporting company that supplied the information, as indicated in your credit report. 
* For your protection, if you are inactive (have not clicked on an item or refreshed the page) for a period of 20 minutes or more when reviewing your credit report and/or credit score online, your session will conclude and you will be logged out.
Disclaimers: You acknowledge that the information provided to you through the PLUS Score product, including the score factors derived from the elements in your credit history, may change over time as your credit history changes. You also acknowledge that the score factor information on how to manage your credit position assumes there will be no adverse changes in your credit performance. ConsumerInfo is not responsible for the accuracy or contents of your credit file, including but not limited to information delivered in the credit report and/or score products. Please note that pursuant to section 609f of the FCRA, consumers can obtain their credit score at any time for a statutorily set fee. All of the forgoing terms apply to your Statutory PLUS Score except the 30-day availability. Your Statutory PLUS Score will not be available after your initial session has concluded.

Special note regarding the Free Experian Credit Report: Beginning December 1, 2004, the FCRA allows consumers to get one free comprehensive disclosure of all of the information in their credit file from each of the three national credit reporting companies once every 12 months through a central source. The Free Experian Credit Report offer to consumers is not related to the free annual FCRA disclosure that you are entitled to.

Fraud Resolution
Obtaining Assistance: There are certain steps that you MUST FOLLOW in order to obtain assistance from a fraud resolution representative ("Assistance"). These steps include contacting a Customer Service Representative by calling the number listed in the My Credit Center area on this Web Site. Additional information about requesting Assistance can also be found in the My Credit Center area.
If you are a victim of identity theft, which shall be defined as the act of knowingly transferring or using, without lawful authority, a means of identification with the intent to commit, or to aid or abet, any unlawful activity that constitutes a violation of federal law or a felony under applicable state or local law ("Identity Theft"), and you incur problems or suffer damages, you should call us at the number listed in the My Credit Center area on this Web Site and make a request for Assistance. Upon acceptance of your request, a ConsumerInfo fraud resolution representative will contact you.
DISCLAIMERS: CONSUMERINFO IS NOT OBLIGATED, NOR DOES IT PROMISE OR GUARANTEE THAT IT WILL PROTECT YOU AND/OR YOUR INFORMATION FROM IDENTITY THEFT. THE PRODUCT IS DESIGNED TO HELP YOU PROTECT YOURSELF FROM IDENTITY THEFT VULNERABILITIES. THE PRODUCT IS PROVIDED IN ADDITION TO ANY PRECAUTIONS YOU SHOULD REASONABLY BE EXPECTED TO TAKE, INCLUDING PROTECTING YOUR ACCOUNT NAMES, PASSWORDS, SOCIAL SECURITY NUMBER AND OTHER PERSONALLY IDENTIFYING INFORMATION. CONSUMERINFO'S FRAUD RESOLUTION SERVICES DO NOT CONSTITUTE A POLICY OR CONTRACT OF INSURANCE.  CONSUMERINFO DOES NOT GUARANTEE THE ACCURACY OF LIEN, JUDGMENT, INVESTMENT, OR CRIMINAL SEARCHES IT MAY PERFORM ON YOUR BEHALF.

ConsumerInfo is not obligated or responsible for providing Assistance for any request based on (a) an act of fraud, deceit, collusion, dishonesty or criminal act by you or any person acting in concert with you, or by any authorized representative of you, whether acting alone or in collusion with you or others, (b) authorized charges that you have disputed based on the quality of goods or services, (c) authorized account transactions or trades that you have disputed, or are disputing, based on the execution (or non-execution) of electronic transfers, trades or other verbal or written instructions or directions, (d) losses, damages or expenses arising out of any business pursuits, (e) losses, damages or expenses that were incurred or commenced prior to the membership, or (f) theft or damages of traveler's checks, tickets of any kind, negotiable instruments, cash or its equivalent, circulating currency, passports, documents, real property, animals, living plants or consumable items, motorized vehicles of any type, watercraft, aircraft, and items intended for storage, transport, display or habitation.
Reservation of Rights: (a) ConsumerInfo, including its agents, independent contractors, assigns or other expressly authorized third party, reserves the right to make an independent investigation of the facts and circumstances related to any Assistance  request, including making contact by telephone, email, US Postal Service or otherwise, any service provider or related party it deems necessary, at its sole and absolute discretion and expense, regardless of whether you provide express authorization to make such contact for purposes of verifying and assisting you with your Assistance request. 
(b) ConsumerInfo reserves the right to request that you provide corroborating evidence of the unauthorized transaction, Identity Theft or other facts related to your Assistance request, including a signed affidavit, law enforcement or governmental agency reports, receipts of expenses, insurance declaration forms, or any other corroborating evidence that we may deem necessary and reasonable. Further, ConsumerInfo reserves the right to refuse any Assistance request or provide any Assistance in the event you fail or refuse to provide us with any requested corroborating evidence related to the Identity Theft.
(c) ConsumerInfo reserves the right not to provide you with any Assistance or discontinue your membership in the event ConsumerInfo determines that you knew, or should reasonably have known, of an act of Identity Theft that commenced prior to the membership.
Identity Theft Insurance
Identity Theft Insurance is provided by Virginia Surety Company, Inc. For additional information about the policy, please refer to Virginia Surety's Evidence of Coverage located in the My Credit Center area of this Web Site. Due to New York state law restrictions, coverage cannot be offered to residents of New York.
GENERAL PROVISIONS

Governing Law
This Agreement is governed by the laws of California without regard to conflict of law provisions with the exception of the Arbitration provision, which shall be governed by the Federal Arbitration Act. You hereby consent to the exclusive jurisdiction of the courts of the State of California.  Venue shall be in Orange County, California.

Entire Agreement 
This Agreement, the Privacy Policy, and other policies ConsumerInfo may post constitute the entire Agreement between ConsumerInfo and you in connection with your use of this Web Site, the Products, and the Content, and supercede any prior versions of the terms and conditions, if applicable. ConsumerInfo may update these terms and conditions from time to time by posting revised terms and conditions on this Web Site, without notice to you, and your subsequent use of the Web Site is governed by those new terms and conditions. The terms and conditions are effective until terminated by ConsumerInfo. In the event of termination, the Intellectual Property, Disclaimers, Limitations of Liabilities, and Governing Law provisions set forth in these terms and conditions will survive. In the event of a conflict between any other notice, policy, disclaimer or other term contained in this Web Site, these terms and conditions will control. If any provision is deemed to be unlawful or unenforceable, it will not affect the validity and enforceability of the remaining provisions. The section headings are for convenience only and do not have any force or effect.