Credit Monitoring Services

Many creditors only report to the credit bureaus once per month or quarter, and credit bureaus can only report what has been reported to them

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While weekly or even daily monitoring can provide early notice of credit inquiries, you need to review the alerts and promptly follow up on the inquiries to gain the maximum benefit of the early warning. If a fraudulent account is opened in your name, it may still be 30 to 60 days or more after the initial inquiry appeared before the account itself is actually reported on your credit report. During this time, identity thieves may have already engaged in significant fraudulent activity. In cases involving non-major or non-credit accounts that may not involve credit review, (such as utility accounts, cellular or cable service, rentals, medical and dental services, etc.), the account may never be reported on your credit report in any form until after it has already been sent to collections.