Tools to Support Your Financial Health and Protect Your Privacy
At Brady National Bank we work to provide our customers with the services and tools to control their financial lives.
In line with that mission, we offer a set of tools within our digital bank platform that give you the power to monitor your credit score, protect your identity and privacy, and oversee your subscriptions.
You may have even seen similar services advertised in isolated apps or websites. Well, there isn't a need to go to more than one website or mobile app for these basic and necessary services, instead, Brady National Bank offers them in one convenient location.
While this basic service is available at no additional cost, we do offer enhancements for a monthly subscription that will give you more credit alerts and further options to protect your privacy.
We have included information on this suite of digital tools available to you below.
My Credit Manager 
Our Basic service gives you access to your credit score.
The Premium service gives further credit monitoring and alerts from all 3 bureaus. You can get alerts whenever there is a credit event such as a new account being opened or a hard credit inquiry. Additional alerts, such as balance changes, public records, address changes, delinquencies, and credit score changes are also available.
This offering uses VantageScore® 3.0
VantageScore 3.0, with scores ranging from 300 to 850, is a user-friendly credit score model developed by the three major nationwide credit reporting agencies, Experian®, TransUnion®, and Equifax®. VantageScore 3.0 is used by some but not all lenders. Higher scores represent a greater likelihood that you'll pay back your debts so you are viewed as being a lower credit risk to lenders. A lower score indicates to lenders that you may be a higher credit risk.
There are three different major credit reporting agencies, Experian, TransUnion, and Equifax that maintain a record of your credit history known as your credit file. Credit scores are based on the information in your credit file at the time it is requested. Your credit file information can vary from agency to agency because some lenders report your credit history to only one or two of the agencies. So your credit scores can vary if the information they have on file for you is different. Since the information in your file can change over time, your credit scores also may be different from day-to-day. Different credit scoring models can also give a different assessment of the credit risk (risk of default) for the same consumer and same credit file.
There are different credit scoring models which may be used by lenders and insurers. Your lender may not use VantageScore 3.0, so don't be surprised if your lender gives you a score that's different from your VantageScore. (And your VantageScore 3.0 may differ from your score under other types of VantageScores). Just remember that your associated risk level is often the same even if the number is not. For some consumers, however, the risk assessment of VantageScore 3.0 could vary, sometimes substantially, from a lender’s score. If the lender's score is lower than your VantageScore 3.0, it is possible that this difference can lead to higher interest rates and sometimes credit denial.
Identity Protection & Dark Web Monitoring1 
Our Basic service scans the web for fraudulent use of your personal information including name, address, email and more.
Our Premium service offers additional data points to scan and includes identity theft insurance2 and access to hands-on assistance in restoring your compromised identity
1Dark Web monitoring consists of searching for up to 1 Social Security number, 10 driver's licenses, up to 10 credit and debit cards, up to 10 bank accounts, 10 passports, up to 10 phone numbers, up to 10 email addresses, up to 10 physical addresses, and 10 medical IDs. We partner with Constella Intelligence who searches thousands of internet sites where it is suspected that consumer's personal information is being bought and sold. Constella Intelligence regularly reviews and adds new sites to search; however, there is no guarantee that Constella Intelligence will be able to locate and search every possible internet site as some sites are not published and frequently change. Dark Web monitoring may take several days to begin and may not occur during your Access period.
2Terms and conditions apply. The Identity Theft Insurance is underwritten and administered by AIG. This description is a summary and is solely intended for informational purposes and may not include all terms, conditions and exclusions of the policies described. Please refer to the actual policies for terms, conditions, and exclusions of coverage. Coverage may not be available in all jurisdictions. Review the Summary of Benefits.
Personal Information PRotection 
Our Basic service will scan your name in real time to see how much of your information has been exposed on Data Broker sites1.
The Premium service will leverage automated services to continuously remove your personal data from these sites with alerts when your information resurfaces. If we are unable to automatically remove your data, instructions are provided on how to engage some of those data brokers to remove and suppress your information.
1Data Broker sites are sites that trade personal information for profit - names, addresses, phone numbers, social security numbers and more. As a result, consumers are at risk of identity theft, financial hacks, account takeovers, spam, robocalls, and physical threats including stalking, harassment and doxing. Please note that the list of Data Broker sites being scanned may change as we do not crawl all Data Broker sites.
Subscription Manager 
Our Basic service gives you access to a consolidated view of your subscriptions to see where your dollars are going.
The Premium service allows you to cancel unused or low value subscriptions with a single button.
Premium Upgrade
The Basic services is available to all of our consumer digital banking customers at no additional cost.
The Premium service is priced at a competitive $8.99/month plus applicable taxes. About $9.73 will be debited from your account when you enroll, and then monthly until you cancel.
This is one of the most robust offerings we have in our digital banking platform and can go a long way to keeping your information and financial health safe.