Voiply 3-Bureau Credit Monitoring
With Voiply 3-Bureau Credit Monitoring you will have access to the following critical tools:
Equifax, Experian and TransUnion are the three main consumer credit bureaus. They collect and store information about you that they use to generate your credit reports, which are used as the basis of your credit scores.
Credit reports may affect your mortgage rates, credit card approvals, apartment requests, or even your job application. Reviewing credit reports helps you catch signs of identity theft early.
Get a free full copy of your credit report and score every month from Transunion. (Checking your credit will not hurt your score)
We monitor Experian, TransUnion, and Equifax for any changes to your reports and alert you via email and SMS.
If you find an error, contact the credit bureau whose report has the incorrect information and file a dispute. Under law, the credit bureaus must investigate and correct a mistake if they find one.
Voiply 3-Bureau Credit Monitoring FAQ
How can I improve my Credit Health?
We have plenty of tools to help you learn more about the factors that can influence your credit scores. Here are five tips to improve your credit health.
If you are looking to build your credit, check out our guide to building credit.
Pay your bills on time
This can be one of the most important factors in your credit history. The likelihood that you’ll pay back your debts is generally a high-impact factor. Doing so on time, every time, helps prove that you’re reliable and can boost your overall credit health.
Late or missed payments can significantly harm your credit scores. If you have trouble keeping track of your bills, consider setting up automatic payments or payment reminders.
Pay down your credit card debt
Your credit utilization ratio compares the amount of debt you owe to the amount of credit you have at your disposal. Lenders want to make sure you are not borrowing more than you can afford to pay back, so keeping your credit utilization low (typically below 30%) on each credit line can help your scores.
Diversify your credit mix
Your credit mix refers to the different kinds of accounts included in your credit reports. While it probably won’t make or break your credit scores, lenders typically like to see a mix of revolving credit accounts (i.e. credit cards) and installment loans, such as mortgages, auto loans and student loans.
Try not to apply for too many new credit cards at the same time
Every time you apply for a credit card or loan it generates what’s known as a hard inquiry, which may have a negative effect on your credit scores.
Multiple hard inquiries in a short period of time may set off a red flag for lenders, as it suggests you may be scrambling for cash or getting ready to add on a significant amount of debt. This does not mean you should never apply for new credit, just consider spreading out your applications.
However, if you’re shopping for an auto loan or mortgage, some credit scoring models may allow for some level of shopping around by treating multiple inquiries within a short time period as a single inquiry. Learn more about rate shopping here.
Think carefully before closing old credit cards
The length of your credit history can be a significant factor impacting credit scores. Some credit scoring models may consider only the average age of all your accounts, while others may also factor in the age of your oldest open account.
You risk shortening the length of your credit history by opening too many new credit cards at the same time or by closing your oldest credit cards. Paying off a loan is something to celebrate, but keep in mind that your length of credit history can also be affected when a loan is fully paid off and closed.
How can I Lock my credit by mail?
TransUnion®
TransUnion LLC
P.O. Box 2000
Chester, PA 19016
Equifax
Equifax Security Freeze
P.O. Box 105788
Atlanta, GA 30348
Experian
Experian Security Freeze
P.O. Box 9554
Allen, TX 75013
Required Documentation
When requesting a security freeze by mail you will need to provide physical copies of the following identifying information:
Complete name including suffix (such as Sr., Jr., II or III)
Complete address
Social Security Number
Date of birth
ID theft victims should submit an investigative or incident report filed with a state or federal agency
Payment (if applicable)
One copy from the following list to validate identification:
Valid driver’s license
Social Security Card
Pay stub
W-2 form
Form 1099
Court documents for legal name change
Birth certificate
Passport
Marriage certificate
Divorce decree
State/military identification
One copy from the following list to validate address:
Valid driver’s license
Utility bill with correct address
Cell phone bill
Pay stub
W-2 form
Form 1099
Rental lease agreement / house deed
Mortgage statement
Bank statement
State ID
How can I protect myself from Fraud?
Follow a few simple precautions to keep your personal information safe.
Consider adding a Credit Lock or Freeze on your credit reports.
Do not carry extra credit cards, your Social Security card, birth certificate or passport with you unless needed.
Never give out personal information over the phone. Scammers may call, posing as banks or government agencies.
Shred your receipts, bank statements, returned checks, and sensitive information before throwing it away.
Check with your employer, landlord, and others with access to your personal data to be sure that they are keeping your records safe.
Check your credit report regularly to make sure it is accurate. If you find any inaccuracies, you can dispute these items with the credit reporting agencies.
Protect your Social Security Number with extra care. Disclose it only when it is necessary. do not have your Social Security Number printed on your checks.
Follow your billing cycles closely. A missing credit card bill could mean that someone has changed your billing address to his own.
Keep a list of all your account numbers--with expiration dates and telephone numbers in a safe or protected area. If your wallet is stolen, you will be able to quickly alert your creditors.
When creating passwords & PINs, use a random mix of letters and numbers. Do not use information that may be easily discovered by someone.
How do I improve my score?
There are several ways to do this. Here are the ones we consider most important:
Pay your bills (on time)! Late or missed payments can wreak havoc on your credit score. This is the simplest and most effective way to improve it.
Do not apply for a lot of new credit cards all at once. Every application generates what is called a “hard inquiry,” which can have a negative effect on your score. Having too many at once can be a red flag to lenders, because it appears that in need of cash or getting ready to add a lot of debt.
Be careful when closing old credit cards. The length of your credit history is a significant factor in calculating your credit score - some date it based on the average of all your accounts, while others look at the age of your oldest account. Closing old ones can shorten the length of credit history, affecting your credit score.
Pay down your credit debt. Your credit utilization ratio (the amount of debt you owe compared to the amount of credit you have) is an important figure to keep in mind. Lenders typically want to see a utilization ratio of below 30% on each credit line.
Diversify your credit mix. It is not a major factor, but lenders typically like to see a mix of evolving credit accounts (like credit cards) and installment loans (like auto loans, student loans or mortgages).
How do I prevent Fraud?
It is easy if you do the right things:
Add a Credit Lock on your credit report.
Never give out personal information over the phone.
Do not carry extra credit cards, your birth certificate, Passport or Social Security card unless necessary.
Shred anything with personal information - receipts, returned checks, bank statements, etc. - before throwing it away.
When creating passwords or PINs, do not use information that could be easily guessed.
Write down a list of all your account numbers (with expiration dates and telephone numbers) and keep it in a safe place, in case your wallet is stolen.
Keep your Social Security number safe! Only disclose it when necessary.
Watch your billing cycles.
What is a Credit Alert?
A credit lock or freeze is a security measure that locks you credit to keep fraudsters and identity thieves from accessing your credit information and opening new accounts in your name. Keep in mind that to be fully protected, you will need to lock or freeze your report with all three major consumer credit bureaus.
A credit lock is different from a credit freeze. A credit lock provides more flexibility, as it is quicker to place and lift.
Both will:
Prevent most creditors from gaining access to your credit report.
Both will not:
Affect your ability to use credit monitoring services.
Directly impact your credit scores; your scores can still change while your credit is locked.
Stop you from receiving prescreened offers of credit.
Prevent you from using existing credit accounts.
What is a Credit Report?
A credit report is the full picture a credit bureau has on an individual. This includes open and closed tradelines (credit cards/revolving accounts, mortgages, personal loans, and auto loans), personal information such as current and former address, employer, birth date, inquiries into your credit file, payment history and any derogatory information that may be present.
What is a good Credit Score?
While different lenders have their own standards for rating credit scores, 700 and higher (on a scale of 300 to 850) is generally considered good.
Lenders typically use your 3-digit credit score to help them decide if they will approve you for a loan or credit card. In general, the higher your score, the better your chances of getting approved. Having a good credit score can also help you save on interest rates.
Of course, a specific score does not guarantee that you'll be approved for credit or get the lowest interest rates but knowing where you stand may help you determine which offers to apply for - or which areas to work on before you apply.
What is a Score Simulator?
Score Simulator allows a consumer to simulate how certain life and financial activities would impact his/her credit score.
For example, a consumer could say he is applying for a credit card or mortgage soon. Score Simulator would advise him/her of what his/her credit score may potentially become after that event.
Why is the score I get from my bank different from the scores I see here?
Whether it is a different score from a bank, an auto lender or another source, it’s not unusual to see many different credit scores. Here are three of the reasons why.
There are many different scoring models
Here you will see scores and reports from TransUnion and Equifax, both using the VantageScore 3.0 scoring model. VantageScore was created in collaboration with all three credit bureaus, and VantageScore 3.0 is relied on by lenders across a variety of industries.
Each credit scoring model has its own formula that may consider different factors of your credit report. And each scoring model weighs different credit factors slightly differently.
When you apply for a financial product the lender may be looking at different credit factors to make a lending decision. An auto lender for example might use a scoring model that weighs any existing auto loans more heavily than other credit factors. And a mortgage lender may be considering entirely different criteria altogether!
Lenders may not report to all three credit bureaus
Some lenders report to all three major credit bureaus, but others report to only one or two. Because of this difference in reporting, each of the three credit bureaus may have slightly different credit report information for you and you may see different scores as a result.
Scores can be from different dates
Credit bureaus can sometimes take a while to receive up-to-date information from your lenders and your scores may not change as quickly as you’d expect.
Since your scores might change at any time it’s a good idea to compare credit scores from the same date. If you do compare scores from the same credit scoring model, make sure they were last updated on the same date.
If there are so many scores, what should I focus on?
Though your scores may vary, they’re all based on information in your credit reports — so focusing on the information and key factors in your reports can help you make your credit stronger overall, no matter who’s checking.
Activate Premium Feature Voiply 3-Bureau Credit Monitoring
Once you checkout, you will receive an email with your login information. You can then login to Voiply Voiply 3-Bureau Credit Monitoring here. (Username is the email you signed up with, and the password is the last 12 characters of your order number.)
Complete Your Registration:
Once you have completed your registration you will have access to the portal.
Verify Your Identity
This will ask you a series of questions to verify your identity. Please be sure to answer all questions correctly and accurately.
Add Accounts
You can add accounts to be monitored from your portal:
Equifax, Experian and TransUnion are the three main consumer credit bureaus. They collect and store information about you that they use to generate your credit reports, which are used as the basis of your credit scores.
Credit reports may affect your mortgage rates, credit card approvals, apartment requests, or even your job application. Reviewing credit reports helps you catch signs of identity theft early.
Get a free full copy of your credit report and score every month from Transunion. (Checking your credit will not hurt your score)
We monitor Experian, TransUnion, and Equifax for any changes to your reports and alert you via email and SMS.
If you find an error, contact the credit bureau whose report has the incorrect information and file a dispute. Under law, the credit bureaus must investigate and correct a mistake if they find one.
Voiply 3-Bureau Credit Monitoring FAQ
How can I improve my Credit Health?
We have plenty of tools to help you learn more about the factors that can influence your credit scores. Here are five tips to improve your credit health.
If you are looking to build your credit, check out our guide to building credit.
Pay your bills on time
This can be one of the most important factors in your credit history. The likelihood that you’ll pay back your debts is generally a high-impact factor. Doing so on time, every time, helps prove that you’re reliable and can boost your overall credit health.
Late or missed payments can significantly harm your credit scores. If you have trouble keeping track of your bills, consider setting up automatic payments or payment reminders.
Pay down your credit card debt
Your credit utilization ratio compares the amount of debt you owe to the amount of credit you have at your disposal. Lenders want to make sure you are not borrowing more than you can afford to pay back, so keeping your credit utilization low (typically below 30%) on each credit line can help your scores.
Diversify your credit mix
Your credit mix refers to the different kinds of accounts included in your credit reports. While it probably won’t make or break your credit scores, lenders typically like to see a mix of revolving credit accounts (i.e. credit cards) and installment loans, such as mortgages, auto loans and student loans.
Try not to apply for too many new credit cards at the same time
Every time you apply for a credit card or loan it generates what’s known as a hard inquiry, which may have a negative effect on your credit scores.
Multiple hard inquiries in a short period of time may set off a red flag for lenders, as it suggests you may be scrambling for cash or getting ready to add on a significant amount of debt. This does not mean you should never apply for new credit, just consider spreading out your applications.
However, if you’re shopping for an auto loan or mortgage, some credit scoring models may allow for some level of shopping around by treating multiple inquiries within a short time period as a single inquiry. Learn more about rate shopping here.
Think carefully before closing old credit cards
The length of your credit history can be a significant factor impacting credit scores. Some credit scoring models may consider only the average age of all your accounts, while others may also factor in the age of your oldest open account.
You risk shortening the length of your credit history by opening too many new credit cards at the same time or by closing your oldest credit cards. Paying off a loan is something to celebrate, but keep in mind that your length of credit history can also be affected when a loan is fully paid off and closed.
How can I Lock my credit by mail?
TransUnion®
TransUnion LLC
P.O. Box 2000
Chester, PA 19016
Equifax
Equifax Security Freeze
P.O. Box 105788
Atlanta, GA 30348
Experian
Experian Security Freeze
P.O. Box 9554
Allen, TX 75013
Required Documentation
When requesting a security freeze by mail you will need to provide physical copies of the following identifying information:
Complete name including suffix (such as Sr., Jr., II or III)
Complete address
Social Security Number
Date of birth
ID theft victims should submit an investigative or incident report filed with a state or federal agency
Payment (if applicable)
One copy from the following list to validate identification:
Valid driver’s license
Social Security Card
Pay stub
W-2 form
Form 1099
Court documents for legal name change
Birth certificate
Passport
Marriage certificate
Divorce decree
State/military identification
One copy from the following list to validate address:
Valid driver’s license
Utility bill with correct address
Cell phone bill
Pay stub
W-2 form
Form 1099
Rental lease agreement / house deed
Mortgage statement
Bank statement
State ID
How can I protect myself from Fraud?
Follow a few simple precautions to keep your personal information safe.
Consider adding a Credit Lock or Freeze on your credit reports.
Do not carry extra credit cards, your Social Security card, birth certificate or passport with you unless needed.
Never give out personal information over the phone. Scammers may call, posing as banks or government agencies.
Shred your receipts, bank statements, returned checks, and sensitive information before throwing it away.
Check with your employer, landlord, and others with access to your personal data to be sure that they are keeping your records safe.
Check your credit report regularly to make sure it is accurate. If you find any inaccuracies, you can dispute these items with the credit reporting agencies.
Protect your Social Security Number with extra care. Disclose it only when it is necessary. do not have your Social Security Number printed on your checks.
Follow your billing cycles closely. A missing credit card bill could mean that someone has changed your billing address to his own.
Keep a list of all your account numbers--with expiration dates and telephone numbers in a safe or protected area. If your wallet is stolen, you will be able to quickly alert your creditors.
When creating passwords & PINs, use a random mix of letters and numbers. Do not use information that may be easily discovered by someone.
How do I improve my score?
There are several ways to do this. Here are the ones we consider most important:
Pay your bills (on time)! Late or missed payments can wreak havoc on your credit score. This is the simplest and most effective way to improve it.
Do not apply for a lot of new credit cards all at once. Every application generates what is called a “hard inquiry,” which can have a negative effect on your score. Having too many at once can be a red flag to lenders, because it appears that in need of cash or getting ready to add a lot of debt.
Be careful when closing old credit cards. The length of your credit history is a significant factor in calculating your credit score - some date it based on the average of all your accounts, while others look at the age of your oldest account. Closing old ones can shorten the length of credit history, affecting your credit score.
Pay down your credit debt. Your credit utilization ratio (the amount of debt you owe compared to the amount of credit you have) is an important figure to keep in mind. Lenders typically want to see a utilization ratio of below 30% on each credit line.
Diversify your credit mix. It is not a major factor, but lenders typically like to see a mix of evolving credit accounts (like credit cards) and installment loans (like auto loans, student loans or mortgages).
How do I prevent Fraud?
It is easy if you do the right things:
Add a Credit Lock on your credit report.
Never give out personal information over the phone.
Do not carry extra credit cards, your birth certificate, Passport or Social Security card unless necessary.
Shred anything with personal information - receipts, returned checks, bank statements, etc. - before throwing it away.
When creating passwords or PINs, do not use information that could be easily guessed.
Write down a list of all your account numbers (with expiration dates and telephone numbers) and keep it in a safe place, in case your wallet is stolen.
Keep your Social Security number safe! Only disclose it when necessary.
Watch your billing cycles.
What is a Credit Alert?
A credit lock or freeze is a security measure that locks you credit to keep fraudsters and identity thieves from accessing your credit information and opening new accounts in your name. Keep in mind that to be fully protected, you will need to lock or freeze your report with all three major consumer credit bureaus.
A credit lock is different from a credit freeze. A credit lock provides more flexibility, as it is quicker to place and lift.
Both will:
Prevent most creditors from gaining access to your credit report.
Both will not:
Affect your ability to use credit monitoring services.
Directly impact your credit scores; your scores can still change while your credit is locked.
Stop you from receiving prescreened offers of credit.
Prevent you from using existing credit accounts.
What is a Credit Report?
A credit report is the full picture a credit bureau has on an individual. This includes open and closed tradelines (credit cards/revolving accounts, mortgages, personal loans, and auto loans), personal information such as current and former address, employer, birth date, inquiries into your credit file, payment history and any derogatory information that may be present.
What is a good Credit Score?
While different lenders have their own standards for rating credit scores, 700 and higher (on a scale of 300 to 850) is generally considered good.
Lenders typically use your 3-digit credit score to help them decide if they will approve you for a loan or credit card. In general, the higher your score, the better your chances of getting approved. Having a good credit score can also help you save on interest rates.
Of course, a specific score does not guarantee that you'll be approved for credit or get the lowest interest rates but knowing where you stand may help you determine which offers to apply for - or which areas to work on before you apply.
What is a Score Simulator?
Score Simulator allows a consumer to simulate how certain life and financial activities would impact his/her credit score.
For example, a consumer could say he is applying for a credit card or mortgage soon. Score Simulator would advise him/her of what his/her credit score may potentially become after that event.
Why is the score I get from my bank different from the scores I see here?
Whether it is a different score from a bank, an auto lender or another source, it’s not unusual to see many different credit scores. Here are three of the reasons why.
There are many different scoring models
Here you will see scores and reports from TransUnion and Equifax, both using the VantageScore 3.0 scoring model. VantageScore was created in collaboration with all three credit bureaus, and VantageScore 3.0 is relied on by lenders across a variety of industries.
Each credit scoring model has its own formula that may consider different factors of your credit report. And each scoring model weighs different credit factors slightly differently.
When you apply for a financial product the lender may be looking at different credit factors to make a lending decision. An auto lender for example might use a scoring model that weighs any existing auto loans more heavily than other credit factors. And a mortgage lender may be considering entirely different criteria altogether!
Lenders may not report to all three credit bureaus
Some lenders report to all three major credit bureaus, but others report to only one or two. Because of this difference in reporting, each of the three credit bureaus may have slightly different credit report information for you and you may see different scores as a result.
Scores can be from different dates
Credit bureaus can sometimes take a while to receive up-to-date information from your lenders and your scores may not change as quickly as you’d expect.
Since your scores might change at any time it’s a good idea to compare credit scores from the same date. If you do compare scores from the same credit scoring model, make sure they were last updated on the same date.
If there are so many scores, what should I focus on?
Though your scores may vary, they’re all based on information in your credit reports — so focusing on the information and key factors in your reports can help you make your credit stronger overall, no matter who’s checking.
Activate Premium Feature Voiply 3-Bureau Credit Monitoring
Once you checkout, you will receive an email with your login information. You can then login to Voiply Voiply 3-Bureau Credit Monitoring here. (Username is the email you signed up with, and the password is the last 12 characters of your order number.)
Complete Your Registration:
Once you have completed your registration you will have access to the portal.
Verify Your Identity
This will ask you a series of questions to verify your identity. Please be sure to answer all questions correctly and accurately.
Add Accounts
You can add accounts to be monitored from your portal:
Updated on: 12/01/2021
Thank you!