Credit Monitoring
Free Credit Analysis
In order for FRS to perform your FREE Credit Analysis, we will need to have access to an up-to-date credit report from all 3 credit bureaus. Click the link below to access your 3 credit bureau reports for just $1 (this is a soft inquiry and will not affect your credit).
It is important to maintain credit monitoring during the credit renovation process, as this is how you and FRS will keep up with the progress achieved while in our program. Credit monitoring from ID Club will cost just $19.95 per month after the initial 7 day trial.
The Importance of Credit Monitoring
Credit monitoring is a service that keeps watch over your credit reports and scores so you know where you stand each and everyday. It is very important to know your credit situation BEFORE you apply for any new credit.
When you subscribe to a credit monitoring service, any changes to your credit report or score will result in a notification being sent to you by text or email, alerting you of this change. This includes any application made in your name for new credit, any new accounts reported to your credit report (including new collection accounts), any increase or decrease in your credit card balances or credit limits, any accounts that are paid 30 days late or more, and any increase or decrease to your credit score. It will even alert you of a change in your address. Knowing this information will not only help you manage your credit profile and be more responsible, it will also warn you if someone has stolen your identity and is attempting to open new accounts in your name.
Many of us receive a free credit score each month from our credit card or bank. Although good information, this is not enough as it is only one credit score from one of the three credit bureaus and does not include any credit report details.
There are hundreds of companies that offer credit monitoring. Some are free with limited services, while others are very expensive. Free credit monitoring sites such as Credit Karma only provide limited information from Equifax and TransUnion, and do not include Experian. When monitoring your credit, it is important to monitor all 3 credit bureaus.
Be sure to choose a credit monitoring company, such as ID Club, that offers the following benefits:
- Experian, Equifax and TransUnion credit reports and scores
- Daily credit monitoring and alerts
- Credit scores tracked monthly
- Credit report that can be refreshed every 30 days
- $25,000 in identity theft insurance
Receive our special ID Club pricing of $1 for the first 7 days, $19.95 per month thereafter, by clicking here.