Credit monitoring services track credit reports and scores across major bureaus, alerting users to changes, suspicious activity, and potential identity theft. These platforms provide insights into credit score factors, personalized recommendations for improvement, and detailed tracking of credit utilization, payment history, and account changes.

Revenue from tiered subscriptions ($5-30/month) offering multi-bureau monitoring, daily score updates, and dark web monitoring. Additional income from identity theft insurance upgrades, credit lock services, and partnerships with credit card issuers and lenders offering pre-qualified offers.

• Fraud Detection Rate

  Percentage of identity theft attempts successfully identified

• Score Improvement Velocity

  Average credit score increase over 6-12 month period

• Alert Engagement Rate

  Percentage of users acting on credit change notifications

Credit Karma, Experian, myFICO