What Is Credit Monitoring?

Understand tri-bureau credit monitoring, how score tracking works, and what optional SmartCredit membership includes.

Monitoring is not a dispute

Credit monitoring helps you notice changes in reports and scores. It does not itself correct information or submit disputes.

Optional SmartCredit membership

SmartCredit monitoring is a separate ConsumerDirect, Inc. service, billed at $39.99 per month at enrollment with no trial. Review the provider's current terms and cancellation instructions.