A credit-monitoring protection service, PrivacyGuard® lets you check your credit
history easily and instantly.
Overview
PrivacyGuard® lets you access and review your Credit Report for accuracy today!
You’ll also get care-free credit monitoring for year-long protection - The
best defense against inaccurate information and fraudulent activity in your records
is to have automatic credit monitoring.
Credit information can change daily every time there are transactions, whether they’re
authorized or not. PrivacyGuard® is the complete reporting and monitoring protection
service that checks your credit for you, to help ensure the information recorded
there reflects your true credit history and rating.
Start with your all-in-one Credit Report today…
Get a complete picture of your credit history compiled from all 3 national credit
reporting agencies – Experian®, Equifax®, and TransUnion®. See what
banks and other institutions see when they access your credit history through the
national credit reporting agencies.
Triple-Bureau Credit Report
An indepth credit report showing all your reported lines of credit, including bank
loans, morgages, and credit cards. Your easy-to-read report shows all your reported
lines of credit, including bank loans, mortgages, and credit cards. You’ll
see payment patterns, any outstanding balances, public records, and inquiries from
other institutions that have asked for a copy of your report within the last 6 months.
You’ll get a credit summary with “at-a-glance” highlights.
Important: Look for signs in your report that could indicate your identity’s
been stolen:
- Large and unpaid balances that differ from your usual buying behavior
- Unfamiliar names, addresses
- Unauthorized accounts
Daily Credit Monitoring
With Mercantile Bank Daily Credit Monitoring, all changes to your credit record
are tracked. It also shows you who checks your record. It’s important you
know who’s checking your record and what information they may add. Credit
issuers, banks, employers, landlords, and insurance companies can legally access
your credit history to determine your credit line, insurance rates, and loan eligibility.
The Daily Credit Monitoring service tracks changes to your credit record that’s
on file with one of the national credit reporting agencies on a monthly basis. We’ll
send you a quarterly ‘all-clear’ notification if there are no changes
to your record in a 3-month period.**
Triple-Bureau Personal Credit Score
In addition to your credit report you’ll get your personal credit score, analysis
and comparison based on information from all three of the national credit reporting
agencies. In addition to your Credit Report, you’ll also get your personal
Credit Score, Analysis & Comparison based on information from all three of the
national credit reporting agencies.
All the available financial data about your payment history, credit usage, length
of credit history, and any bankruptcies, is compiled into a model that calculates
a score between 350 and 850 — the higher your score, the less of a credit
risk you are. Credit Analysis will help you understand your score. It could mean
the difference between getting more affordable loans in the future, or not.
$10,000 in ID Theft Protection plus Fraud Resolution Help
With $10,000 in fraud protection and our Fraud Resolution Service, you can have
peace of mind with ID fraud. Now have peace of mind, knowing if you’re ever
a victim of ID fraud — you’re protected with up to $10,000.00 in loss
protection insurance through PrivacyGuard®!
We even lend you a helping hand with Our Fraud Resolution Service: you’ll
be assisted in clearing your good name, every step of the way, from paperwork to
notifying creditors. A Personal Identity and Internet Theft Customer Guide will
provide instructions on how to resolve the theft of your identity, and information
to help minimize the confusion that can arise.***
Register Credit Cards and Documents plus Access to other valuable reports
To help protect your even more, you’ll get one safe storage site to register
all of your credit, AMT, debit cards and important documents. Have a safe place
to “store” your valuable personal information. Plus access important
reports where inaccuracies can prevent you from getting fair insurance rates and
the right coverage.
To help protect you even more, you’ll get one safe storage site to register
all of your credit, ATM, debit cards, and important documents. You’ll get
a handy toll-free number to call to cancel and replace lost or stolen cards, which
will save you time, and help preserve your good name and credit, as well.
Set all your important records straight with easy access to your Driver’s
Record…Medical Record (to see if you have a report on file with the Medical
Information Bureau…and your Social Security Report to check your earnings.
You’ll also receive helpful information on almost any neighborhood in the
nation to ease your decision-making when buying a new home or relocating, thanks
to indispensable Neighborhood Reports.
Disclosures
Insurance products offered are underwritten by unaffiliated
insurance companies of Mercantile Bank. Mercantile Bank and/or affiliates receive
compensation from an insurer or other entity for the sale of this product and fees
for services performed.
- Insurance products are not insured by FDIC or any Federal government
Agency.
- Not a deposit of or guaranteed by the bank or any bank affiliate.
* By clicking on PrivacyGuard® you are leaving BankMercantile.com and will be
taken to a service provided by a third party. The products offered on the linked
page are not Mercantile Bank products. The Third party’s privacy policy and
terms of use apply to your use of the third party site and services.
Note: Links to third party sites are provided for your own convenience. Such sites
are not within our control and may not follow the same privacy security, or accessibility
standards as ours. The third party is responsible for the content and availability
of its sites, partners, or advertisers.
** Neither Trilegiant® Corporation, its credit information subcontractors,
nor Alliance Marketing Association shall have any liability for the accuracy of
the information contained in the credit reports or Credit Alert® reports which
you receive, including any liability for damages, direct or indirect, consequential
or incidental. PrivacyGuard® is not a credit counseling service and does not
promise to help you obtain a loan or improve your credit record, history, or rating.
Monthly monitoring will notify members if any inquiries, derogatory information,
or accounts have been added to their credit reports as reported by a national credit
reporting agency(s). If no information has been added or changed, the member will
receive a quarterly notification stating that no information has been changed within
their credit files.
***The Personal Identity Theft Protection insurance benefits are provided to all
members, together with PrivacyGuard’s other benefits, through Alliance Marketing
Association (the “Association”). Upon enrollment in the PrivacyGuard®
service, you will automatically be admitted as a member of the Association. The
Personal Identity Theft Protection insurance benefits are underwritten by a member
company of American International Group, Inc., which has issued the master policy
with respect to such benefits to the Association. Evidence of coverage under the
master policy will be available to you upon enrollment in the PrivacyGuard®
service. The summary of policy benefits, terms, conditions and limits of coverage
set forth in the evidence of coverage are subject to the terms of the master policy.
PrivacyGuard® is a service provided by Trilegiant Corporation in conjunction
with Alliance Marketing Association. The PrivacyGuard® service may be modified
or improved at any time and without prior notice. PrivacyGuard® and Credit Alert
are registered service marks of Cendant Publishing, Inc.
© 2005, Trilegiant Corporation