Frequently Asked Questions

Credit monitoring involves regularly checking your credit reports and scores for any changes or potential fraud. It's crucial because it allows you to spot inaccuracies, identity theft, or suspicious activities early, giving you the chance to address them promptly and protect your financial health.

Credit monitoring services keep a constant eye on your credit files and scores from major credit bureaus. They alert you to any significant changes, such as new accounts opened in your name, changes in credit limits, or inquiries. These notifications enable you to take immediate action if anything suspicious occurs.

Credit monitoring primarily focuses on tracking changes in your credit reports and scores. On the other hand, identity theft protection typically includes credit monitoring, but also involves additional features like identity theft insurance, dark web monitoring, and assistance in case of identity theft incidents.

No, credit monitoring itself does not impact your credit score. When you check your credit report or when a credit monitoring service does so on your behalf (soft inquiry), it doesn't impact your score. However, hard inquiries—such as when you apply for credit—can affect your score temporarily.

While credit monitoring can't prevent identity theft outright, it can significantly reduce its impact. Early detection through monitoring allows you to take swift action to mitigate the effects of identity theft or fraudulent activities.

Regularly checking your credit reports is recommended. Many credit monitoring services offer daily monitoring, but checking at least once a month is a good practice to stay updated on your credit status.

For many individuals concerned about their credit health and wanting proactive protection, credit monitoring can be highly beneficial. The cost is frequently justified by the peace of mind it offers and the potential savings from detecting and addressing issues early.

Yes, you can cancel your Credit Sitter credit monitoring at any time without penalties.

Depending on the package you choose, you can either check your credit report 2 or 4 times per month.

FICO Score and Vantage Score are both ways to measure how good someone is with credit, but they have differences. FICO looks at things like how often payments are made and how much credit is used, and it's used a lot by lenders. Vantage Score also looks at similar things, but might pay more attention to recent credit behavior. Because they use different formulas, someone's score can be different depending on which one is used.