What monitoring watches
Monitoring tracks changes across your reports: new accounts, new inquiries, balance changes, late payments and personal-information updates.
The alerts that matter most
A new account or hard inquiry you don't recognize deserves immediate attention — it can be the first sign of identity theft. Balance and score alerts are more about awareness and momentum.
Responding to an alert
Verify the change against your own records, contact the creditor if something looks wrong, and consider a fraud alert or freeze if you suspect fraud.
Ready to put this into practice?
Get Started For Free