Credit monitoring gives you ongoing visibility into changes reported to your credit profile so you can stay informed, review important activity and make more informed decisions.
Monitoring does not replace responsible financial behavior. It gives you information that can help you understand what is happening within your credit profile.
Stay aware of changes that may appear within the credit information available through your monitoring service.
Review account activity, inquiries and other information included within the applicable monitoring experience.
Maintain an ongoing view of your credit information instead of waiting until you need to apply for something.
Different credit profiles require different types of information. Your available monitoring experience depends on the selected product and applicable provider.
Personal credit monitoring can provide visibility into applicable consumer credit information and changes over time.
Business credit monitoring can help business owners stay aware of applicable commercial credit information and changes reported through the selected provider.
Understanding the difference helps put monitoring information into the proper context.
A credit report contains information associated with your credit history, which may include accounts, payment history, inquiries and other reported information depending on the applicable bureau and reporting source.
A credit score is calculated using information from a credit report according to a particular scoring model. Different scoring models and data sources can produce different scores.
Once your applicable monitoring service is established, the process is designed around visibility and regular review.
Select the applicable monitoring service and complete the required enrollment process.
Complete any required identity, account or verification steps associated with the selected monitoring provider.
Review available information and applicable notifications as your credit profile changes.
Use the information you see to determine what additional review, education or action may be appropriate.
Credit monitoring is one part of a broader credit strategy. Education can help you understand the information you see, while responsible account management can help you build stronger financial habits over time.
Explore Credit Education →Explore the monitoring options available through The Credit Builders and choose the service that aligns with your current needs.
Credit monitoring provides information and alerts based on the applicable monitoring service and data sources. Monitoring does not guarantee a particular credit score, credit outcome, approval, funding decision or other financial result. Credit information, scoring models, reporting frequency and available features may vary by provider. The Credit Builders provides educational information and related services and does not guarantee the accuracy, completeness or availability of information supplied by third parties.
