PENFED CREDIT NAVIGATOR
Take charge of your credit journey
Go beyond your Experian® Credit Report and access the powerful tools you need to take control and build a healthy financial future.
What is PenFed Credit Navigator?
Wherever life takes you, PenFed Credit Navigator helps you stay in control of your credit and protect your identity.
Build your base
Stay informed with free access to your Experian® Credit Report, FICO® Score* monitoring, file locking and unlocking, and financial education tools.
Premium tools
Upgrade for enhanced monitoring, a personalized FICO® Score* plan, wallet recovery, and ID protection.
Build your base
Stay informed with free access to your Experian® Credit Report, FICO® Score* monitoring, file locking and unlocking, and financial education tools.
Premium tools
Upgrade for enhanced monitoring, a personalized FICO® Score* plan, wallet recovery, and ID protection.
Why PenFed Credit Navigator?
PenFed Credit Navigator FAQs
Yes, all PenFed members have access to Credit Navigator. You can enroll in Credit Navigator’s basic plan for FREE or choose to upgrade for a monthly fee.
In partnership with Experian®, PenFed Credit Navigator provides your FICO® Score 9*.
Your FICO® Score provided within Credit Navigator is updated monthly.
Opting in to Credit Navigator and utilizing its services will not negatively impact your FICO® Score*.
Using Credit Navigator, you can lock and unlock your Experian credit file through our self-service platform. This will not lock or unlock your files with TransUnion or Equifax.
By upgrading to one of our Premium+ plans, Experian can monitor the use of your social security number, any changes of address, and if personal information is found on the dark web. Additionally, this plan provides Identity Theft Insurance** that can reimburse you for up to $1M in unexpected out-of-pocket expenses such as legal fees, lost income, fraudulent transactions, and stolen funds.
Yes, by upgrading to one of our Premium+ plans, Experian’s Dark Web Monitoring scours internet properties like websites, blogs, bulletin boards, peer-to-peer sharing networks and IRC chat rooms and notifies you if a match to your monitored personal information is found.
Yes, by upgrading to our Premium+ Child plan***, Experian can also monitor up to 10 children. This service reports on all known addresses and aliases associated with your child’s social security number and monitors the web alerting you if your child’s personal information is being bought or sold online.
Disclosure
*Terms and conditions apply. Log in to find out more. Credit score calculated based on FICO® Score 9* model. Your lender or insurer may use a different FICO® Score than FICO® Score 9*, or another type of credit score altogether. Learn More.
**The Identity Theft Insurance is underwritten and administered by American Bankers Insurance Company of Florida, an Assurant company under group or blanket policy(ies). The description herein is a summary and intended for informational purposes only and does 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.
***Child monitoring includes up to 10 children under the age of 18. One-time Parent/Legal Guardian verification may be required to receive alert details for children.