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We’ll keep an eye out,

so you don't have to.

You’re ready to take that next step in life with your new spouse and start a family and it’s time for the exciting task of shopping for a new home. Do you know how a mortgage bank will see you? Do you have a clean credit report?

Your credit history impacts so many areas of your life beyond being accepted for a line of credit or getting the best interest rate for a mortgage, car loan or credit card. It also plays a role in all sorts of life events and necessities like finding a job, getting a cellphone, and taking out insurance policies.

In a recent survey, 30% of people admitted they did not know their credit score. More than half of them were adults under 30.

SOURCE: Moneytips.

How does
it all work?

CreditWatch will not only provide your credit score information, but you will have in-depth knowledge about your credit history, receive real-time alerts when inquiries or changes occur in your credit and have access to a resource center to maintain a healthy credit history or resolve any credit disputes.

Secure access to credit reports

Pull your fully detailed credit report to help you identify any serious errors in your credit history that could be negatively impacting your score.

Credit score tracker

Before you go house hunting or shopping for that new car, be prepared and know your credit score to leverage your buying power.

Credit health resource center

Have access to all the tools you’ll need to nurture the health of your credit score. The resource center includes tri-bureau information so you can dispute any suspicious activity on your report.

Real-time credit monitoring

We will be watching your credit 24/7/365 and send you real-time alerts any time a sudden change occurs to your score, which could indicate fraud.

Your credit history affects many aspects of your life. Protect yourself from being a victim of credit fraud by keeping track of your current credit score and receiving alerts on any sudden changes.


CreditWatch helps you take the first step so you can take charge of your credit.

included in the

Pro Membership


Or purchase CreditWatch
separately for just $19.99/month

Real-time credit monitoring & alerts

Highest secure ID validation process available

Real-time score tracker

Review past credit history

Online resource center

24/7/365 access

Single bureau credit report included with CreditWatch

Member-only discounted credit reports available to purchase anytime


Why would I purchase CreditWatch?

Our CreditWatch product offers you a one-stop solution for the credit information you need to become – and stay – an informed consumer. Our members can review their credit history, check their current score and access an informative resource center to learn how they can improve their score.  Knowing this information allows you to stay in control of your credit.

What is the cost for this product?

CreditWatch (with single bureau subscription) is $19.99 per month for a single subscription, or purchase with any 3 or more Viv Lifestyle Products and save 50% on each product, meaning you pay just $10 per month for CreditWatch.

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 CreditWatch, 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 and what is VantageScore?

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, and that one number can decide whether or not you qualify for a loan, at what interest rate and under what terms. And it’s not just banks who use credit scores: Cellphone companies, insurance companies and government bodies also use similar methodologies to determine if a consumer can become a customer.

CreditWatch uses VantageScore.  Scores range between 300-850.  A credit score of 700 or above is generally considered good. A score of 800 or above on the same range is considered to be excellent.

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 a Credit Report?

A credit report compiles all of your personal credit information and details all of the accounts reported to each bureau, overall credit usage and debt summary, any hard inquiries and if there are any collections or public records reported.  There are 3 credit agencies –Experian®, Equifax®, and TransUnion® — that store your personal credit information, and the information among them can be different.  That’s why it is important to review all of them.

A 1B (or Single Bureau) Credit Report will provide a credit report from Experian®. A 3B (or Tri Bureau) Credit Report will provide 3 separate Credit Reports from Experian®, Equifax®, and TransUnion® .

As a credit watch member, you can purchase additional 1B and 3B Credit Reports at the discounted price of just $4 for 1B and $9 for 3B as many times as you like.

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 specific 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 information.

  • 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.
  • Inaccurate information must be corrected or deleted. A consumer-reporting agency or furnisher must remove or correct information verified as inaccurate, usually within 30 days after you dispute it. However, a consumer-reporting agency may continue to report negative data that it verifies as being accurate.
  • Outdated negative information may not be reported. In most cases, a consumer-reporting agency may not report negative information that is more than 7 years old, or bankruptcies that are more than 10 years old.
  • Access to your file is limited. A consumer reporting agency may provide information about you only to people with a valid need as determined by the FCRA (usually to consider an application with a creditor, insurer, employer, landlord or other business.)

For more information, go to, or write to: Consumer Response Center,

Federal Trade Commission, 600 Pennsylvania Ave. N.W., Washington, D.C. 20580

What is the Federal Trade Commission (FTC)?

The Federal Trade Commission (FTC) enforces a variety of federal antitrust and consumer protection laws, including the federal Fair Credit Reporting Act, the law that regulates consumer-reporting agencies, those who use credit reports, and those who furnish information to consumer reporting agencies. The FTC ensures that all three parties (consumers, consumer reporting agencies, and lenders) are treated in a fair and equitable manner. The FTC’s mission is to help the nation’s markets function competitively and efficiently, unhampered by needless restrictions. It works to spotlight and eliminate acts or practices that are unfair or deceptive. In general, the FTC tries to stop actions that threaten consumers’ opportunities to exercise informed choice. It also performs economic analyses, when asked, to support its law enforcement efforts and to contribute to the policy as set forth by Congress, the Executive Branch, other independent agencies, and state and local governments. In addition to carrying out its statutory enforcement responsibilities, the FTC advances the policies underlying Congressional mandates through cost-effective non-enforcement activities, such as consumer education.

When will I be billed again?

With your monthly CreditWatch subscription, you will be charged automatically each month on the anniversary of when you enrolled.  For example, if you enrolled on the 1st of the month, you will be charged again on the 1st of each consecutive month.

Can I see my billing history?

Yes, your full billing history is available from your online customer portal. You will receive instructions on how to access your account right after you sign up. All your Viv product and service subscriptions are in one convenient place.



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