Credit monitoring helps you stay informed, detect suspicious activity early, and protect your credit profile—so you can qualify for better terms on loans, credit cards, and refinancing over time.
Tracks changes to your credit file and notifies you when activity occurs.
It doesn’t repair credit automatically or guarantee fraud prevention.
New inquiries, accounts, address changes, and delinquency flags.
Different scoring models can show varying scores at the same time.
Before or after applying for credit, refinancing, or major purchases.
Early detection and fast action help reduce financial damage.
Credit monitoring is a service—free or paid—that watches for changes in your credit report(s).
Many consumers are surprised by score differences across apps and lenders.
Why scores can differ: