Owning your credit health begins with knowing what information is reported about you to the three credit repositories—Equifax, Experian, and Transunion. Finding the time to self-monitor your credit files is next to impossible, given our busy lifestyles. Subscribing to a monthly credit monitoring service is a wise move. Monthly credit monitoring allows you to stay on top of your credit repair journey, detect potential fraud, and keep your credit goals top of mind. We recommend using a service that offers monthly monitoring of all three credit bureaus and provides your credit score with the report.