Credit Monitoring

Credit Monitoring Questions and Answers

Who is eligible for the reduced-price credit monitoring from Experian Consumer DirectSM Triple Alert Product?

Any University of Missouri faculty, staff, retiree or student is eligible for the reduced price.

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How much does it cost?

The University has negotiated a reduced rate of $3.46 per month for Experian's Consumer DirectSM Triple Alert Monitoring Product. Enrolling via the Web site listed below locks in the price until the membership is cancelled.

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Why did the university choose Experian?

The university chose Experian after negotiations with several companies. We felt that Experian's Triple Alert Monitoring Product offered the best value for the type of services offered.

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What is included in the Triple Alert Monitoring Product?
  • Daily monitoring of all three credit bureaus.
  • E-mail alerts to inform you of key changes to credit activity.
  • Monthly all clear notifications.
  • Informative credit related articles.
  • Toll-free customer service.
  • Assistance from fraud resolution representatives who will provide step-by-step assistance in resolving problems, assist you in understanding credit reports and alerts, contact financial institutions and creditors as required and more.
  • $10,000 of identity theft insurance coverage provided by a designated third party insurer*.

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

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How do I sign up for the Triple Alert Monitoring Product?

You must visit the Consumer Information Division of Experian to sign up. This is the only way to obtain the reduced rate of $3.46 per month. If you sign up using a different Experian Web site, you will not be eligible for the reduced rate. Triple Alert is an online-only product, so phone registration is not available.

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How do I pay for the product?

Experian Consumer DirectSM will bill you monthly. Payment arrangements are between Experian Consumer Direct and the consumer. The university does not handle any billing or payments. Payroll deduction is not available for this product since you will make payment directly to Experian Consumer Direct.

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Can I be reimbursed for credit monitoring that I may have already purchased?

No, the university is not in the position to reimburse consumers for credit monitoring services they have previously purchased. In some cases, you may be able to cancel your previous purchase and switch to take advantage of the Triple Alert Monitoring Product at the discounted price.

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If I have already signed up for another Experian product, will I be able to cancel out of that and apply the money I have paid to this deal?

The membership is stand-alone and cannot be combined with any other products, so it is not possible to transfer amounts already paid. To take advantage of the discounted rate, individuals should cancel their current Triple Alert membership and activate the new one.

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Do I have to purchase Experian Consumer Direct Triple Alert Product?

No, this is an optional purchase you can make to help protect yourself from identity theft. It is not required.

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Is the university making any money from this agreement?

The university negotiated the current agreement with Experian Consumer Direct in order to provide individuals with a reduced rate for credit and fraud monitoring services. The university has no monetary relationship with Experian and is not benefiting financially in any way from this agreement.

For more information on Triple Alert Monitoring Product, visit the Experian FAQ Web site. Experian FAQ Web site. Please note this site includes FAQs for items that are not included in the discounted Triple Alert package, such as 3 Bureau Credit Report, Score Only Report and Plus Score. These products can be purchased directly from Experian Consumer Direct for an additional fee.

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Where can I get more information about keeping my identity secure?

The Federal Trade Commission has a helpful Web site at www.ftc.gov/idtheft that contains more information about keeping your identity secure. In addition, consumers can request a free yearly credit report from each of the three reporting bureaus at www.annualcreditreport.com, the official Web site to receive a free report under the Fair Credit Reporting Act. For more more details about the free report, visit www.ftc.gov/bcp/edu/pubs/consumer/credit/cre34.shtm.

Please note the university is not affiliated with these Web sites and is providing them for informational purposes only.

Reviewed 2013-09-27.