Frequently asked questions.

No. Pulling your own credit through these services is a soft inquiry and does not affect your score, no matter how often you check.

Not always. Most lenders use specific FICO score versions, while many free monitoring tools use VantageScore. While they track similarly, the exact numbers may differ slightly depending on the bureau and model used.

One-bureau monitoring tracks changes only on one credit agency (e.g., Equifax). Tri-bureau monitoring updates you on all three major agencies (Equifax, Experian, and TransUnion), offering comprehensive security since lenders report to different bureaus.

Yes, it helps recover stolen funds, covers legal fees, and pays for dedicated restoration experts who handle the heavy paperwork to fix your compromised identity.