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What is the difference between 1B & 3B Monitoring?

  • “1B” and “3B” monitoring refers to the number of credit bureaus being monitored (the credit bureaus are TransUnion, Equifax, Experian).

    Offering 1-bureau monitoring allows us to keep costs of the IDShield product low and still monitor important data. One-bureau monitoring is effective because it is rare that credit-related identity theft is limited to one event and that one event is reported to only one credit bureau. Most of the time all three credit reports will be affected to some extent allowing 1-bureau monitoring to be effective to alert the member to an issue.

    It is important to note that when identity theft is confirmed, the restoration process deals with ALL THREE national credit reporting agencies so that all of the member’s reports are reviewed and any fraudulent information on the reports is disputed.