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IDENTITY GUARD® CREDITPROTECTX3SM


Wachovia's commitment to protect you and your information reassures you that your transactions with us are safe online—but what about all the other credit and financial services you have?

Continuous monitoring is one of the best ways to take control of your credit, not only protecting you from fraud and identity theft, but keeping you informed of certain changes to your credit report that can affect your credit.

Wachovia offers CreditProtectX3SM, a credit monitoring and identity theft protection service through Intersections Inc. that monitors your credit every business day. When certain changes are detected, you are quickly alerted. This helps you pinpoint suspicious activity in time to take action to protect yourself and your credit.

For $12.99 per month this early detection tool provides:

  • Credit Bureau Monitoring and Alerts - Equifax, Experian and TransUnion1 agencies are monitored every business day. Alerts of certain changes are sent to you by email, phone, mail or text-allowing you to act quickly if you suspect fraud.
  • Credit Report Access - Get a comprehensive look at your credit report history with unlimited online access. View a consolidated report that includes information from all three credit reporting agencies.
  • Credit Scores - Online members have constant access to their credit scores and can view the positive and negative factors that impact scores from all three reporting agencies, along with a comparison to the national average.
  • Quarterly Credit Updates - In addition to alerts when changes occur, you'll receive a summary of changes in your personal credit files each quarter as reported by all three bureaus.
  • Credit Analyzer - This tool forecasts how specific activities may affect your existing credit card, loan, or any financial account-not just for Wachovia but all of your accounts.
  • Identity Theft Recovery Specialists - The Identity Theft Recovery Unit has highly trained specialists that provide one-on-one assistance to help you understand and fight credit fraud if you've been victimized.
  • Up to $20,000 expense reimbursement - Get reimbursed for certain expenses, such as loan application fees, lost wages as a result of time away from work and other related costs associated with restoring your identity-there is no additional charge to you. 2

Detect Fraud Early
Let Credit ProtectX3SM assist you with detecting suspicious activity early and help resolve identity theft should this happen to you. Enroll today, and your service starts immediately, giving you additional protection to fend off fraud.



1Equifax, Experian, and TransUnion are registered Trademarks.

2$250 deductible applies to each occurrence of identity theft. Insurance underwritten by Travelers Casualty and Surety Company of America and its property casualty affiliates, Hartford, CT 06183. Coverage for all claims or losses depends on actual policy provisions. Availability of coverage can depend on underwriting qualifications and state regulations. Coverage is not available for residents of New York.

Please note: Products and services are offered by the merchants whose site you visit. Wachovia neither endorses nor guarantees, unless expressly noted, any of the products or services offered for sale through those sites. Such sites are not within our control and may not follow the same privacy, security, or accessibility standards as ours.

Insurance Products



Insurance products are offered through insurance agency affiliates of Wachovia Corporation and are underwritten by unaffiliated insurance companies. Wachovia Corporation's insurance agency affiliates receive compensation from an insurer or other entity for the sale of this product and fees for services performed.



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