Every change on your report, caught the moment it happens
Our partner-powered monitoring watches all three bureaus around the clock and tells you the instant something moves — so nothing on your credit file ever catches you by surprise.
Full coverage across all three bureaus
Lenders report to different bureaus — so our partner network monitors every one of them. A change on any single report gets surfaced on your dashboard.
Equifax
One of the two most widely used bureaus by mortgage and auto lenders. Your Equifax score and full report — accounts, inquiries, balances, and derogatory marks — are tracked daily.
Experian
The largest bureau by file volume, used heavily by credit card issuers. Your Experian score, FICO factors, and every new account or inquiry are surfaced the day they appear.
TransUnion
Frequently pulled for rentals, employment checks, and auto financing. Your TransUnion score and report are tracked alongside the others so no file drifts out of view.
Monitoring uses soft pulls only — checking your own credit never affects your score.
What we alert you about
Eight alert types covering everything that can move your score — each one delivered the moment it's detected, not days later.
Alert delivery speed depends on your plan: Free members get a weekly monitoring digest, Builder members get alerts as they're detected with daily refreshes, and Pro members get real-time push with hourly refreshes.
New accounts opened
Any new credit card, loan, or tradeline appearing on your report — whether you opened it or someone else did.
Hard inquiries
Every hard pull from a lender or creditor, so you always know exactly who checked your credit and when.
Score changes
Point-by-point score movement on any bureau, with the factor that drove the change called out in plain language.
Late payments & collections
Missed payments reported by a creditor or a new collection account hitting your file — the fastest way to catch errors and identity theft.
Derogatory marks
Charge-offs, repossessions, bankruptcies, and public records the moment they appear or get removed.
Utilization spikes
We flag when your credit utilization crosses the thresholds that start costing you points — before your statement closes.
Personal info changes
New addresses, name changes, or employer updates on your file — common early signals of identity fraud.
Fraud indicators
Suspicious patterns across bureaus — unfamiliar accounts, rapid inquiries, or report freezes — bundled into one urgent alert.
From detection to your pocket
An alert is only useful if it's fast, accurate, and easy to understand. Every alert follows the same three-step path.
Detect
Report refreshes sweep all three bureaus around the clock and surface the change the moment it posts to your file.
Verify
We confirm the change is a real file update — not a reporting lag or a duplicate — so you never chase a false alarm.
Deliver
The alert lands in your dashboard feed with a plain-language explanation, plus push and SMS delivery on Pro.
Your monitoring feed, at a glance
Every alert lands in a single stream on your dashboard — color-coded by severity, ordered by impact, and readable in seconds.
Auto lender pulled your Experian report on Oct 21.
Utilization dropped to 14% after your payment posted.
Balance on your Rewards Card is approaching the 40% threshold.
Your October rent payment was reported to all three bureaus.
A new credit card appeared on your TransUnion report.
A new mailing address was added to your Equifax file.
Monitoring depth by plan
Every plan includes real monitoring. Paid plans simply watch faster, deeper, and across more of your file.
Upgrade or downgrade anytime — your monitoring depth changes the moment your plan does.
Never get surprised by your credit again
Start free today — upgrade when you're ready for faster alerts and full three-bureau coverage.