ServicesDAC Protect Credit Monitoring and ID Theft Protection
DAC Credit Monitoring is your solution for the credit information you need to become and stay an informed consumer. Your benefits may vary depending on your plan level, but every membership includes credit monitoring and alerts, score tracker and access to single and tri-bureau credit reports. Visit the membership website 24/7/365 for access to all of your benefits and Credit Monitoring contact information.
Your Information is Safe
Every new Credit Monitoring member must complete an L Verification to verify
his/her identity before accessing personal credit information on the membership
website. Once this is complete, all of your plan benefits will be available and monitoring
- Identity Verification
- Credit Monitoring
- Score Simulator
- Full Access to Credit
- Score Tracker
- Resource Center
Frequently Asked Questions
What is credit monitoring, and why is it important?
Credit monitoring is the monitoring of an individual’s credit report for changes in order to
detect suspicious activity or possible fraud. By using a credit report and monitoring service,
you can be more aware of your credit health and will receive alerts when changes are reported.
While credit monitoring cannot protect you from all types of fraud, being familiar with the
latest activity on your credit report is the first step to being empowered and mitigating risk.
Why is my credit score so important?
In the United States, a credit score is much more than a number ̈ it’s an important part of
your everyday life. Lenders use credit scores to evaluate risk, so that one number can decide
whether or not you qualify for a loan, at what interest rate and under what limits. And not
just banks use credit scores ̈ mobile phone companies, insurance companies and government
bodies also use similar methodologies to determine if a consumer becomes a customer.
What should I do if I think my personal information
has been compromised?
If you receive an alert indicating suspicious activity associated with your personal
information or you see unfamiliar charges or transactions within your account(s),
contact your provider (bank, credit card issuer, etc.) and the reporting credit
How do you keep my information safe?
We maintain a highly secure environment with specific security measures and policies in place to ensure the utmost secure handling of all data.
What is the Fair Credit Reporting Act?
The federal Fair Credit Reporting Act (FCRA) promotes the accuracy, fairness, and privacy of
information in the files of consumer reporting agencies. The FCRA gives consumers specifc
rights (summarized below). You may have additional rights under state law.
• You must be told if information in your file has been used against you. Anyone who
uses information from a consumer reporting agency to deny your application for credit,
insurance or employment or take another adverse action against you must tell you,
and give you the name, address, and phone number of the agency that provided the
• You can find out what is in your file. At any time, you may request and obtain your report from a consumer-reporting agency. You are entitled to free reports if a person has taken adverse action against you because of information in a report if you are the
victim of identity theft or fraud if you are on public assistance or if you are unemployed
but expect to apply for employment within 60 days. In addition, you are entitled to one
free report every 12 months from each of the nationwide credit reporting agencies and
from some specialized consumer reporting agencies.
• You have a right to know your credit score. With this program, you have access to your
credit score, which refreshes on a monthly basis. You may also request your credit score
directly from a credit bureau at a cost. In some mortgage transactions, you will receive
credit score information without charge.
• You can dispute inaccurate information with the consumer-reporting agency. If you
tell a consumer-reporting agency that your file has inaccurate information, the agency
must take certain steps to investigate unless your dispute is frivolous.