Read on to learn more about the best credit monitoring services to track your credit rating and protect from fraud. Credit monitoring apps can send you alerts if your credit score changes, any new lines of credit are opened, your credit card balances change dramatically or your Social Security number is used without authorization. Data is encrypted on Apple’s servers and kept for no more than 24 hours. Location information is only sent to Apple when you actively locate your device, mark it as lost, or enable Send Last Location. If you don't want to monitor your credit score yourself, or you've been a victim of fraud or identity theft in the past, a credit monitoring service can automate this process and alert you if anything suspicious pops up. Just like every Apple product, Find My is designed to put you in control of your data. Through the end of 2023, the three major credit bureaus - TransUnion, Equifax and Experian - offer access to free weekly credit reports. A record number of data breaches occurred in 2021, and the Identity Theft Research Center reported an even higher pace in 2022.Ī federal program introduced in 2020 can help track your credit score and rating for free. Monitoring your credit score can also keep you one step ahead of fraudsters and identity thieves. Since your credit score is used to determine your approval for a personal loan, credit card, mortgage and even renting a new apartment, it's important to make sure it's accurate. Credit monitoring services help you keep close tabs on your credit score while protecting you against fraud.
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