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As a member of CardSafe, if your cards are lost or stolen, we will guarantee reimbursement for unauthorized charges made after youve reported your missing cards to us, and for which your card issuer holds you liable. You get your first credit score when you sign up for your membership. The law allows you to order one free copy of your report from each of the nationwide credit reporting companies every 12 months. Under Federal law, your responsibility for unauthorized charges is generally my free credit score limited to $50 per Credit Card and up to $500 per ATM or Debit card.

If an item is changed or deleted, a credit bureau cannot put the disputed information back in your credit report unless the company or person that provided the incorrect information to the credit bureau verifies that the information is, indeed, accurate and complete. Otherwise, a credit reporting company may charge you a reasonable my free credit score amount for another copy of your report within a 12-month period. Under federal law, you’re entitled to a free report if a company takes adverse action against you, such as denying your application for credit, insurance, or employment, and you ask for your report within 60 days of receiving notice of the action.

You have the option of receiving Score Alerts if your credit score changes. If you don’t cancel during the trial period, you may be unwittingly agreeing to let the company start charging fees to your credit card.

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