Your file, watched. No surprises.
Continuous Equifax monitoring with real-time alerts, plus on-demand tri-bureau snapshots when you want the full picture. Soft pulls only — never affects your score.
Six monitoring surfaces. One dashboard.
Most credit-monitoring tools surface the same data badly. We surface it deliberately — every screen built to answer the question you're actually asking.
Continuous Equifax monitoring
Score, tradelines, balances, inquiries — refreshed daily. Real-time alerts the moment anything material changes.
Tri-bureau on demand
Pull Experian and TransUnion side-by-side with Equifax anytime. Quarterly on Standard, monthly on Premium.
Tradeline-level detail
Every account on file: issuer, balance, limit, utilization, status, plus 24-month payment history color-coded by month.
Score history with milestones
Watch your score move month-over-month with milestone overlays — paid off Card B, auto loan opened, balance dropped.
Smart alerts inbox
Severity-coded by impact (info, action needed, critical). Filter by category. Mark as read. Deep-link to the tradeline.
Inquiries + public records
Hard and soft inquiry timeline, plus collections, judgments, and bankruptcies — surfaced when they hit your file.
Every change to your file. Triaged.
We don't just notify you. We tag every alert by severity so you know what needs action and what's expected. Quiet by default — loud only when it matters.
- Balance changes across every revolving account
- New tradelines, closures, status changes
- Hard inquiries — flagged when unexpected
- Address changes, name changes
- Derogatory marks — collections, judgments, charge-offs
- Identity-watch flags from Equifax
Why Equifax-live, others on-demand.
Continuous tri-bureau monitoring is expensive — and 90% of it is noise. Here's the honest breakdown of how we cover all three without burning your subscription on data you don't need.
Continuous, daily, real-time alerts
Equifax is your monitoring spine. Score refreshes daily, tradelines update as creditors report, alerts fire the day a change lands on your file. This is what runs in the background while you live your life.
Pulled on demand. Quarterly minimum.
Most lenders pull all three at application — so you need a clean read on all three before applying. Standard subscribers pull tri-bureau quarterly. Premium subscribers pull it monthly. Both are unlimited within your tier.