Just an FYI..... My IdentityGuard score was 94 points lower than my actual TU score. To get my TU score without waiting for snail mail, I simply called and got a real nice woman. I explained that my IdentityGuard score seemed WAY low (played dumb). She said the IdentityGuard score wasn't the same one TU has so I asked her what my TU score was and she gave it to me over the phone. Tom