Stay Ahead. Protect Your Credit.
In today’s world, your credit is constantly changing — sometimes without you even knowing. That’s why having reliable, real-time credit monitoring is so important. At 850Above, our Credit Monitoring Services give you peace of mind by watching over your credit reports, alerting you to changes, and helping you stay in control of your financial health.
Need to Know
Why Credit Monitoring Matters
Catch Errors Before They Damage Your Score
Credit reports can change at any time — from new accounts opened in your name, new hard inquiries, to incorrect balances or outdated information. Monitoring alerts you instantly so you can fix errors or unauthorized activity before they hurt your score.
Protect Against Identity Theft & Fraud
Fraudsters are increasingly sophisticated — identity theft can happen to anyone. A credit monitoring service tracks changes to your credit profile and flags suspicious activity fast. That early warning gives you a chance to act before serious damage occurs.
Stay Prepared for Major Financial Moves
Whether you’re applying for a loan, a mortgage, or a new credit card — lenders review your credit closely. With monitoring, you’ll know in advance what your credit looks like and can fix any issues before they affect approval or interest rates.
Track Credit Progress & Build Confidence
If you’re working with 850Above to repair or rebuild credit, monitoring keeps you informed on how your score and report evolve. You’ll see real-time results from your efforts and understand what’s making a difference.
What’s Inside
What Our Credit Monitoring Includes
When you sign up for 850Above’s Credit Monitoring Services, you receive:
✔ Daily or regular updates from all major credit bureaus (Equifax, Experian, TransUnion) to catch every change.
✔ Alerts for critical activity — new accounts, hard inquiries, balance increases, public records, or any unexpected changes.
✔ Credit score tracking over time, so you can visualize improvements or spot declines early.
✔ A user-friendly dashboard or portal that shows your credit history, recent changes, and alerts in one place.
✔ Guidance and support from our credit experts — if you spot something suspicious or confusing, we help you understand it and take action.
Client portal
How It Works in 3 Simple Steps
Enroll & Connect
Sign up and link your credit report data from one or all three major bureaus.
Monitor & Alert
Our system watches for changes continuously. You get notifications when anything significant happens.
Review & Respond
If there’s an alert, you can log into your secure portal to review the details. If needed, our team guides you through next steps — whether it’s disputing inaccurate items, placing a fraud alert, or simply understanding what changed.
Who Needs It
Is Credit Monitoring Right for You?
Credit monitoring is valuable for:
- Anyone who’s had identity theft or unauthorized activity in the past.
- People working on repairing or rebuilding credit — to see real-time changes and maintain improvements.
- Anyone applying for a major loan, mortgage, or credit line — to avoid surprises.
- Individuals who want ongoing peace of mind and regular oversight of their credit profile.
That said — it’s not a silver bullet. Monitoring alerts you when issues arise, but it doesn’t prevent errors or fraud from happening. The sooner you act on alerts, the better you protect yourself.
FAQ’s
Frequently Ask Questions
Q: What is credit monitoring?
Credit monitoring is a service that tracks activity on your credit report — like new accounts, inquiries, balance changes — and sends you alerts when anything unusual happens.
Q: Does credit monitoring improve my credit score?
Monitoring itself doesn’t directly boost your score — but it helps you catch errors or fraud early, so you can dispute or resolve issues that might drag your score down. Keeping your credit report clean can support long-term credit improvement.
Q: Can credit monitoring prevent identity theft?
Not entirely. Monitoring alerts you when suspicious activity appears, giving you a chance to respond quickly — but it doesn’t guarantee prevention. It’s one layer of protection, ideally combined with good personal security practices.
Q: How often will I get alerts?
Alerts are sent as soon as a significant change appears on your credit report — typically within minutes to hours of the report updating.