TransUnion® vs ID Watchdog

With the official TransUnion app, you get free credit scores, free credit reports, free credit monitoring & free access to offers from Bankrate. There’s no credit card required! Your credit score is calculated based on the VantageScore® 3.0 model. Lenders and insurers may use different scores to evaluate your eligibility. Simply create your free account (no credit card required) and start using our app (won’t hurt your score) to: Plan Your Credit Future Know what’s affecting your score, what to work on, and where your score could go. Stay on Top of Changes Know where your TransUnion report & score stand with refreshes available daily. Get an alert whenever there’s a critical credit report or score change. Save Time with Offers from Bankrate* Explore credit offers powered by Bankrate*, all in one place. Join us now to get your free credit scores, free credit reports, free credit monitoring & offers! Upgrade your membership to add premium features like quarterly 3-bureau reports and identity monitoring. ***AGE DISCLAIMER: You must be at least 18 years of age to access or download this app. If you are under 18 years of age, you are prohibited from accessing or downloading this app. Read more in our Terms of Service here: https://www.transunion.com/legal/credit-membership-terms.*** *Advertiser Disclosure: Offers are provided by TransUnion’s Offers Provider, Bankrate. Bankrate provides advertising revenue to TransUnion Interactive, Inc. when consumers interact with the offers, such as by clicking on an offer, when the application is approved or opening an account. This revenue impacts how and where offers appear (including, the order in which they appear), except where prohibited by law for offers related to mortgage, home equity and other home lending products. Offers do not represent all available financial services, companies or products. Availability may vary by state. Please review the offer details and verify all terms and conditions before applying. TransUnion does not endorse or recommend any lender or provider. ABOUT TRANSUNION TransUnion is a global information and insights company with over 13,000 associates operating in more than 30 countries. We make trust possible by ensuring each person is reliably represented in the marketplace. We do this with a Tru™ picture of each person: an actionable view of consumers, stewarded with care. Through our acquisitions and technology investments we have developed innovative solutions that extend beyond our strong foundation in core credit into areas such as marketing, fraud, risk and advanced analytics. As a result, consumers and businesses can transact with confidence and achieve great things. We call this Information for Good® — and it leads to economic opportunity, great experiences and personal empowerment for millions of people around the world. http://www.transunion.com/business Personal information we collect -- https://www.transunion.com/privacy/consumer-interactive#2 Do not sell or share my personal information -- https://www.transunion.com/optout Limit the use of my sensitive personal information -- https://www.transunion.com/optout

Help Protect Your Identity, Better Protect Your Family – On the Go In today's digital world, your identity is more vulnerable than ever. The ID Watchdog mobile app from Equifax gives you the power to help you better safeguard your family's personal information, anytime and anywhere. Why choose ID Watchdog? • Real-time alerts: Get instant notifications of suspicious activity for you or your child(ren). • Credit report control: Lock and unlock your Equifax credit report to help prevent unauthorized access. (Some exceptions apply¹) • Comprehensive monitoring: Scans billions of data points for signs of identity theft, even on the dark web. • Family protection: Get personalized plans for adults and special features for children. • Expert help: If you become a victim, a dedicated specialist will personally manage your identity restoration. Key features at your fingertips: • Lock/unlock credit reports: Helps you control who can access your Equifax credit report. • Detailed alerts: Understand the threat and take immediate action with clear guidance. • Child credit lock: Help protect your child's identity from credit fraud. • Credit score tracking: Monitor your VantageScore® and track trends over time. • Dark web monitoring: Add credentials to broaden AI scans and quicker access in case of a lost or stolen wallet • Personalized settings: Tailor your alerts and security preferences. Award-winning protection you can trust: ID Watchdog uses advanced technology and AI to detect potential identity theft, offers powerful tools to help prevent fraud, and provides personalized support if you become a victim. Don't wait until it's too late. Download the ID Watchdog app today and take greater control of your family's identity protection. What You Need to Know The credit scores provided are based on the VantageScore® 3.0 model. For three-bureau VantageScore credit scores, data from Equifax®, Experian®, and TransUnion® are used respectively. Any one-bureau VantageScore uses Equifax data. Third parties use many different types of credit scores and are likely to use a different type of credit score to assess your creditworthiness. ¹ If my Equifax credit report is locked, who can access it? Entities that may still have access to your Equifax credit report include: • Companies that provide you with a copy of your credit report or credit score, upon your request; • Federal, state, and local government agencies and courts in certain circumstances; • Companies using the information in connection with the underwriting of insurance, or for employment, tenant or background screening purposes; • Companies that have a current account or relationship with you, and collection agencies acting on behalf of those whom you owe; • Companies that authenticate a consumer's identity for purposes other than granting credit, or for investigating or preventing actual or potential fraud; and • Companies that wish to make pre-approved offers of credit or insurance to you. You may opt out of pre-approved offers by visiting www.optoutprescreen.com;