Credit Monitoring: How to Protect Your Credit Score

Your credit score is one of the most important numbers in your financial life. It affects your ability to get loans, rent an apartment, and even land certain jobs.

What Is Credit Monitoring?

Credit monitoring services track changes to your credit report and alert you to potential issues. This can help you catch unauthorized activity early.

Why Credit Monitoring Matters

Identity thieves can open new accounts in your name, make unauthorized charges, and damage your credit score—sometimes without you knowing for months.

What to Look For

Watch for new accounts you didn't open, inquiries you didn't authorize, changes to your personal information, and unexpected drops in your credit score.

Steps to Protect Your Credit

Review your credit reports regularly from all three bureaus, set up fraud alerts, consider a credit freeze if you're not actively applying for credit, and use strong passwords for financial accounts.

Identity Theft Protection

An Identity Theft Protection Plan provides comprehensive credit monitoring, alerts, and restoration assistance if your identity is compromised.