Advises Consumers Why and When They Should Participate in Credit Monitoring Services

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For those who are raising their credit score, credit monitoring services are an integral part of their efforts

According to, a leader in credit report, credit score and credit monitoring services, there are several reasons why a consumer should participate in a credit monitoring service.

Most credit monitoring services watch one’s credit file for new activity, account changes, credit fraud and identity theft. For example, notifies its customer via e-mail within 24 hours if updates or inquiries are made into a credit file and reported by the 3 major credit bureaus (Experian™, Equifax™ and TransUnion™). These alerts can be the first indication of a valid credit inquiry, credit discrepancy or inaccuracy in a credit file. They can also send up a red flag for the consumer that their identity has been compromised and are a way to help prevent identity theft going forward.

“There are two primary reasons individuals monitor their credit files with a credit monitoring service,” said Samuel S. Ambrose, Vice President of Marketing and Operations of “Anyone who is in the process of raising their credit score would greatly benefit from knowing when changes that affect their score occur. Similarly, anyone who suspects that their identity may have been compromised, such as a person who has lost their wallet, can benefit from a credit monitoring service, which report all changes, including unauthorized ones that are reported by the 3 major credit bureaus.”

Examples of who should use a credit monitoring service and when:

  • Sally Score-Raiser - Sally wants to buy a home this year, but her low credit score will keep her from getting a good mortgage rate. She is working hard at raising her credit score by correcting credit report inaccuracies, making on-time payments and improving her credit utilization ratio. Sally wants to see the fruits of her labor, so she participates in a credit monitoring service to be notified of the changes as they happen.
  • Lost Wallet Walter - Walter left his wallet at the checkout counter of the grocery store. When he came back, it was gone. Although Walter hasn’t had any indication that it fell into the wrong hands, he immediately put a freeze on his credit with the 3 major credit bureaus and registered for a credit monitoring service to be sure that he’d know about any important changes in his credit file.
  • Common Name Carl - Carl’s common first and last names are often confused with others with similar names. Carl wants to be sure that accounts opened by a Carol or Carlos don’t show up on his credit report and cause credit report damage. As soon as Carl realized that this can happen, he registered for a credit monitoring service so any mistake can be rectified quickly.

Ambrose also notes that’s credit monitoring service customers receive $25,000 worth of identity theft insurance.

Since 2004, has specialized in providing credit information and credit monitoring services to consumers to help them understand their credit report and score. encourages consumers to check their credit report on a regular basis.

Allison Tomek


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