Credit monitoring primarily keeps track of your credit reports and alerts you to changes that could signal fraud, such as new accounts being opened or hard credit inquiries. In contrast, identity monitoring has a broader scope, watching for misuse of your personal information across various platforms and databases, not just your credit reports.

Although identity monitoring cannot completely prevent identity theft, it provides timely alerts about potential fraud, enabling you to act swiftly to reduce the damage. This quick response is essential in minimizing the effects of identity theft.

Identity monitoring is a service that continuously scans multiple data sources to identify potential fraudulent activity involving your personal information. It monitors credit reports, public records, and even the dark web for unauthorized use of details such as your Social Security number, bank accounts, or credit card information.

Not always, but it’s important to check. An alert means something changed on your credit report, like an address, phone number, new account, or collections. If you’re subscribed to our identity protection service and spot unauthorized changes, contact us for help.

If you receive an alert, act promptly to investigate. This could include reviewing bank statements, contacting your financial institutions, or reporting the issue to the appropriate authorities. You may also need to freeze your credit or update your account passwords and security settings.

Yes, identity monitoring looks beyond credit reports, tracking other areas like the dark web or public databases for misuse of your information.

It scans sources like credit reports, public records, and the dark web to find signs of unauthorized use of your personal information.