Credit Scanner: Track your score and activity
Easily monitor your credit activity with Identity Defender, ExpressVPN’s standalone identity protection app. Catch the signs of identity theft, so you can take action to remedy the issue and protect your credit. Currently available to eligible ExpressVPN users in the U.S.
Why you should monitor your credit
In the U.S., a credit score is a number that reflects an individual's creditworthiness, or their likelihood of repaying debts. It is based on past and current credit accounts, payment history, and other credit-related activities. Lenders, landlords, and even some employers use credit scores to assess a person's financial responsibility.
By tracking changes in your credit history, you can catch mistakes and observe how different activities affect your score. More importantly, you can spot possible unauthorized use of your personal information. This allows you to quickly take action to report fraud and recover your identity, protecting yourself from the long-term financial impacts of identity theft.
What is Credit Scanner?
Credit Scanner includes:
- Credit score at a glance: Shows you your Experian credit score and rating.
- Credit monitoring and alerts: Regular updates that highlight changes such as new accounts or inquiries that can affect your credit.
- Credit score details: Shows the factors affecting your credit score, along with recommended actions.
- Credit protection: Quickly find the info you need to freeze your credit.
- Credit report: A monthly overview of your credit status, detailing your accounts, balances, and payments.
Why use Credit Scanner?
Credit Scanner offers a convenient way to stay on top of your credit score within the Identity Defender app
- Easy to use. Set up in minutes. You’ll need to input some personal information, which we keep safe in accordance with our Identity Defender Privacy Policy.
- Track changes over time. For users monitoring their credit score, Credit Scanner lets you observe the impact of your activities.
- Early fraud detection. Discover and address potential identity theft before it worsens.
- Key protection info. If you want to freeze your credit, all the information you need is on a single screen within the app.
- Peace of mind. Verify that no unexpected credit activity is affecting your credit score.
Worried about identity theft?
Try our other Identity Defender services. ID Alerts keeps you informed about activity surrounding your identity; Data Removal finds and removes your personal information from data brokers and people-search sites; and ID Theft Insurance* covers eligible expenses if you become a victim of identity theft.
Frequently asked questions
Who can use Credit Scanner?
Credit Scanner is available to eligible ExpressVPN Advanced and Pro users in the U.S. as part of Identity Defender. Features vary by plan.
How much does Credit Scanner cost?
Credit Scanner is included for free when you sign up for ExpressVPN’s Advanced and Pro plans, provided you’re a U.S. user.
View the latest plans and pricing on ExpressVPN’s order page.
How can I access Credit Scanner?
After signing up for an ExpressVPN Advanced or Pro plan, download the Identity Defender mobile app for iOS or Android, or access it via your ExpressVPN Account page. Then, follow the prompts to set up Credit Scanner. You'll be asked to provide personal credit-related information. All data provided as part of credit monitoring will be handled in accordance with our Identity Defender Privacy Policy.
What should I do if there is suspicious activity on my credit report?
If you see credit-related activity that you don’t recognize and suspect your identity is being fraudulently used, the most commonly recommended step is to place a security freeze on your credit. This will prevent creditors from approving any new credit account in your name, whether it is fraudulent or legitimate. The information needed for you to freeze your credit is listed within Credit Scanner, under Credit Protection.
Is Credit Scanner part of Identity Defender?
Yes, Credit Scanner is part of ExpressVPN’s Identity Defender app, a suite of tools designed to offer multi-layered identity protection. While Credit Scanner focuses on credit-related activity, Identity Defender also monitors broader identity risks through the following features:
- ID Alerts: Notifies you of potential identity-related risks across multiple monitoring areas, including dark web exposure, SSN use, address changes, and title records.
- Data Removal: Sends data removal requests to data brokers and people search sites on your behalf, keeping your personal details out of unwanted hands.
- ID Theft Insurance*: Offers up to $3M or $5M in coverage in the event of identity theft, depending on your plan.
Each tool focuses on a different aspect of identity protection, and together they help you take greater control over your personal data.
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