Top Credit Questions

Get answers to the most common questions related to credit score and credit monitoring.

Credit monitoring services relate to several key parts of your financial outlook – from your credit score and credit report to your ability to prevent and address issues with identity theft. The more knowledge you have about your credit, in general, the better equipped you’ll be to make the strategic decisions you need to make to get ahead.

With that in mind, we’ve gathered the top questions about credit, credit scores and credit monitoring from around the web so you have one convenient place to get all of the answers you need. If you have more questions and can’t find the answers here, call us at 1-888-472-0358 or you can simply ask our experts directly.

The three credit bureaus in the U.S. – Experian, Equifax and TransUnion – each maintain their own version of your credit profile and each uses a slightly different formula to calculate your score. So if they all say the same basic thing, why would there be a need to monitor them all?

You might think that living a credit-free lifestyle means you have no need to check your credit or keep track of what’s happening on your credit profile. However, even if you never want a credit card, there’s still reason that you may need credit monitoring at some point in your life.