Answers "Does Credit Report Monitoring Lower your Credit Score" and More

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Protect or Raise Your Credit Score by Avoiding Simple Mistakes That Cause Credit Report Damage, a leader in credit monitoring services, advises consumers that it is simple to protect or to raise your credit score by avoiding mistakes that cause credit report damage.

"Does credit report monitoring lower your credit score? No, but having too many inquiries by creditors certainly can," said Samuel S. Ambrose, Vice President of Marketing and Operations of "Many people don't realize that applying for too many credit cards, even if you were pre-approved, can be bad for your credit score."

According to Ambrose, another mistake that can cause credit report damage is not checking your credit report regularly to identify any inconsistencies in reporting so you can dispute them if necessary. This important activity is as easy as obtaining a personal credit report online and reviewing it at least quarterly to ensure that there is no new unauthorized activity. This is also critical in understanding fluctuations in your credit score.

Closing long-standing credit card accounts can also cause credit report damage. A longer credit history helps your credit score by showing potential lenders that you pay your bills on time.

Finally, don't make the mistake of assuming all of your credit reports and scores will be the same from each of the three major credit reporting agencies (Experian™, Equifax™, and TransUnion™). It's important to obtain a personal credit report from each of these agencies since not all creditors report to all three. Therefore you may have a different score from each of them.

At the company's website, , consumers can receive a free credit score, which includes a credit report and a free, seven-day trial of its Triple Safeguard Credit Monitoring™ service.

The company also offers consumers the opportunity to obtain a personal credit report and score for one low price with "no strings attached." Interested customers can visit to buy their credit report and score without being enrolled in a credit monitoring service.

Since 2004, has specialized in providing credit information and credit monitoring services to help consumers improve their personal credit report and prevent identity theft. encourages consumers to check their credit report on a regular basis.

Allison Tomek


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