Credit Monitoring

Credit monitoring reports allow you to monitor your credit history, and find out if someone has stolen your identity, and detect credit related fraud.

Companies offer credit monitoring services on a subscription basis, and typically provide:

- unlimited access to your credit history
- alerts of critical changes to your credit history or credit score
- additional services such as identity theft insurance.

This service may be useful if you have had debt and want to use credit monitoring to stay aware of how it is affecting your credit score. Perhaps you are cleaning up your credit report and want to remove collection accounts. Or maybe you want to use it to detect and avoid possibility of identity theft.

Credit report monitoring is a service that can be used to monitor your credit history in order to detect any suspicious or unusual activity. It also provides for the monitoring of any changes in your credit history.

Credit monitoring services in America are normally available either as 1-Bureau service (data access to only one of the 3 national credit reporting bureaus), or 3-Bureau service (with access to data for all 3 national credit reporting bureaus).

It is often recommended to view all 3 bureaus to detect identity theft as such access provides comprehensive credit monitoring.

Companies providing credit monitoring will alert you to important activity such as credit inquiries, public records, delinquencies, negative information, employment changes, new accounts and other changes to your credit history.

Many companies offer a 30 day credit monitoring trial with free credit reports and credit scores.