We Now Provide Personal Credit Reports
and ID Theft Protection to Individuals

Alliance 2020 offers economical access to your personal credit report, credit score and credit monitoring identity theft protection through our partnership with Equidata. 

Genuine Credit Reports Directly from the Credit Bureaus

Choose from a single bureau report (your choice of Experian, Equifax or TransUnion) or a tri-merge report of your combined file from all three. 

Information is not shared amongst the credit reporting agencies. It is up to each creditor to determine which credit reporting agency they want to report their information to.  Some creditors may choose to report to only one, some may choose to report to all three while others may choose not to report at all. As a result, it is important for you to check your credit report with each credit reporting agency to make sure your information is correct and up to date, especially if you are considering a major purchase like buying a home or a car.   

Your Credit Score

The information contained in your credit file (at the Bureau level) is used to to calculate your credit score when the file you order is "pulled."  Higher scores usually mean lower interest and insurance rates, which could save you money.  Your CreditXpert™ Score will provide you with insights into the factors used to calculate your score.  Each time you "pull" your credit file the score is recalculated.

Identity Theft Protection

Credit monitoring is a service that flags your credit report and alerts you when changes occur within your credit report.  Items that trigger a monitoring alert include a number of factors, including inquires, canceled cards, changes of address, etc.

Since each credit reporting agency maintains a separate credit report on you, it is important for you to monitor your activity with each one, especially if you think you are a victim of identity theft or if you want to have a little extra piece of mind. Stay on top of identity thieves and sign up today.