Additional Features
- Stop unauthorized credit inquiries in their tracks.
- Get notified if anyone attempts to access your credit file.
- Effortlessly unlock your credit report when you need it.
- Schedule how long you want your report to stay unlocked.
- WalletHub Credit Account†
- Credit Builder
- Budgeting (with auto-sync)
- Spending Tracker (with auto-sync)
- Transaction Alerts
- Subscription Manager
- Portfolio Tracker (with auto-sync)
- Savings Goals (with auto-sync)
- Net Worth (with auto-sync)
- Investment Monitoring (with auto-sync)
- Spending Trimmer
- Budgeting Reports
- Spending Alerts
- Merchant Directory
- Credit Scores
- Credit Score Goals
- Debt Payoff Goals
- TransUnion Credit Lock (with alerts and scheduling)
- Full Credit Reports
- Daily Updates to Scores & Reports
- WalletScore
- $1,000,000 Identity Theft Insurance
- Identity Theft Restoration
- Dark Web Monitoring
- AI-enhanced Transactions
- Cash Flow
- Custom Dashboards
- Payment Validator
- Account Sharing
- Financial Timeline
- Credit Analysis
- Why My Credit Score Changed
- Credit-Improvement Plan
- Debt Payoff Plan
- Savings Opportunities
- Credit Score Simulator
- Credit Report Monitoring
- Enhanced Credit Report Insights
- Automatic Financial Account Sync
- Transaction Importer
- Share Transactions
- Real-Time Credit Inquiry Alerts
- Interactive Alerts
- Change of Address Alerts
- Password Monitoring
- Social Security Number Trace Alerts
- SMS for Urgent Alerts
- Auto Insurance Score
- Enhanced Loan Monitoring
- Lost Wallet Assistance
- USPS Address Monitoring
People Love WalletHub
Here’s why people love WalletHub
Learn more about identity theft protection.
Although identity theft insurance is a key pillar of a thorough identity theft protection plan, it may not always cover your stolen funds. Stolen funds may be reimbursed by your bank or credit card company, according to federal consumer protections, so identity theft insurance policies typically don’t cover those funds.
Data breaches are extremely common. In fact, the Identity Theft Resource Center reports that in 2025 there were:
- 3,300+ data breaches.
- 79% more incidents than five years ago.
- 278 million data breach victims.
Fortunately, if you use identity theft protection services, like WalletHub, you can proactively protect your identity and your wallet.
Learn more about the importance of identity theft protection.
- Comprehensive monitoring of your personal information
- Alerts about suspicious activity
- Coverage to pay for restoring your identity if it is stolen
- Restoration specialists to help recover your identity if it is stolen
- Peace of mind that your credit, financial accounts, and personal information are monitored 24/7
Being able to quickly address identity theft when it happens is critical to limiting any financial and credit damage the thief may cause. The comprehensive monitoring and alerts identity theft protection services provide can quickly notify you of any potential issues. In fact, nearly half of identity theft victims say they were first notified by a monitoring alert, according to a survey from All About Cookies, a website that provides data about online privacy, digital security, and identity theft protection.
- People who were recently robbed
- Remote workers
- People who are unable or don’t want to freeze their credit
- Anyone who wants peace of mind and their information monitored
Identity theft protection is also beneficial if you want coverage to pay for the cost of restoring your identity in the event it is ever stolen. Many identity theft services, such as WalletHub, offer identity theft insurance that will cover this cost, so you don’t have to worry about paying for it out of pocket.
Learn more about whether identity theft protection is worth it.
† IMPORTANT DISCLOSURES
You acknowledge and agree that you have carefully reviewed the services described above and agree to purchase them for the price listed. The services described above may vary from the services described elsewhere. WalletHub is a financial technology company, not a bank.
Identity Theft Insurance Disclosures
WalletHub does not make any representations or offer any guarantees on its ability to prevent all cybercrime or identity theft. Monitoring services do not cover all relevant transactions at all businesses, institutions or jurisdictions.
If your paid Services includes Identity Theft Insurance;
- For residents of states other than the State of New York, the expense reimbursement insurance benefit for members is underwritten by certain underwriters at Lloyd’s, under a master group policy issued in the name of Sontiq, Inc. and all subsidiaries for the benefit of members. Claims will be reviewed by the insurer in accordance with the terms and conditions of the master group policy. A summary of the terms of coverage and other policy information is available here. The complete policy is available upon request.
- For residents of the State of New York, the Master Policies of Personal Internet Identity Coverage have been issued to: TransUnion (the "Master Policy Holder"), under Policy Numbers: 7077495 and 16452600 respectively underwritten by insurance company subsidiaries or affiliates of American International Group, Inc. A summary of the terms of coverage and other policy information is available here. The complete policy is available upon request.
WalletHub Credit Account & Credit Builder Disclosures
WalletHub is NOT a credit repair service and does not remove negative credit history from your credit profile. A WalletHub Premium plan is required to access the WalletHub Credit Account and Credit Builder features. Utilizing WalletHub’s Credit Builder or Credit Account is optional and does not guarantee an improved credit score.
Not all bills or payments are eligible for Credit Builder. The impact on your credit score may vary. WalletHub Credit Builder currently reports eligible payments (i.e. rent, phone, electric, gas, and water bills) to TransUnion for inclusion in your credit file.
WalletHub Credit Account applicants must be at least 18 years old and a citizen of the United States or permanent resident with a valid social security number. Subject to approval & identity verification. Available only to residents of the following states: AL, AK, AZ, AR, CO, CT, DE, FL, ID, IL, KS, KY, ME, MA, MN, NE, NV, NJ, NY, NC, ND, OK, PA, PR, SC, TN, TX, UT, VT, VA, WA, WV, WI, WY. Additional account terms apply.
* The average first-month credit score impact of +34 points is based on simulations of adding a WalletHub Credit Account to a random sample of WalletHub members’ credit reports and assuming no other material changes to their credit reports. Individual results may vary. Use of the WalletHub Credit Account does not guarantee that your credit score will improve. Credit score impact is dependent on your specific circumstances and a variety of factors, including your financial behavior. Failure to make minimum payments on time may result in delinquent payment reporting to credit bureaus which may negatively impact your credit score. The WalletHub Credit Account is intended exclusively for WalletHub-related purchases.
Other Disclosures
The credit score shown on WalletHub is based on your TransUnion credit report as well as the VantageScore 3.0 model, and it may differ from what your lender or insurer uses.
If you cancel your paid Services that include TransUnion Credit Lock as a benefit, you will cease receiving Credit Lock upon expiration of your then-current subscription and your locked TransUnion credit report will be unlocked.
Some services may not be available on all jurisdictions.