Credit Monitoring
A service that alerts consumers to changes on their credit reports — new accounts, hard inquiries, balance changes.
Credit monitoring services alert consumers to changes on their credit reports — new accounts, hard inquiries, balance changes, status changes. Free options include Credit Karma and many bank apps. Paid options offer all-three-bureau monitoring with identity-theft insurance.
Useful for: catching identity theft early, monitoring the impact of dispute campaigns, tracking score changes month-to-month.
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The only government-authorized source for free credit reports from all three bureaus.
Equifax, Experian, or TransUnion — the three nationwide consumer credit reporting agencies.
Unauthorized use of personal identifying information to open credit accounts or commit fraud.
Run the Cougar Method on your credit file.
CreditCougar drafts FCRA-compliant dispute letters tuned to your specific situation. $29.95/mo. $1 7-day trial.
Start the hunt — $1 trial