Credit Report Monitoring FAQ

Frequently Asked Questions about Credit Report Monitoring

Do my spouse and I each need separate credit report monitoring services? Is there a discount for married couples?

Since the credit bureaus do not merge the credit reports of married couples, you and your spouse will each have your own, individual credit report. While certain accounts and information will most likely overlap, appearing on both reports, much of your credit history will differ. This means that you will each need your own report in order to get a clear picture of your current credit health. This is important because should an identity thief attempt to open new accounts in your name, it would only be reflected on your report. Likewise, should a thief attempt to open an account in your spouse's name, it would only be reflected on your spouse's report.

If you and your spouse both wish to monitor your individual credit profiles for incorrect information or fraudulent account activity, TrustedID is the most cost effective solution. TrustedID is the only credit monitoring service we review that offers a discount for married couples via their family plan. The family plan covers any family members living at the same address, including your spouse, children, elderly parents or other family members. In addition to credit monitoring, spouses will also receive 3-bureau credit reports and scores upon signup

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