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3-Bureau Credit Monitoring

Your credit, all three bureaus, in one place.

Reports and scores from Equifax, Experian, and TransUnion — refreshed every month, with real-time alerts the moment anything changes.

Start monitoringSee plans
Cancel anytimeNo credit impact256-bit encryption
  • Bank-level encryption
    256-bit TLS in transit, AES-256 at rest
  • Read-only credit access
    We can see your reports — never change them
  • No hard inquiries
    Soft pulls only — your scores aren't affected
  • Cancel anytime
    Month-to-month, no commitment

Data provided by

  • Equifax
  • Experian
  • TransUnion

We pull your reports and VantageScore 3.0 scores from each of the three nationwide consumer reporting agencies. Not affiliated with Equifax, Experian, or TransUnion.

How it works

Three steps to a clearer picture of your credit.

  1. STEP 1

    Sign up in minutes

    Verify your identity once. No long forms, no credit card required to see what we monitor.

  2. STEP 2

    We pull all three bureaus

    Reports and VantageScore 3.0 scores from Equifax, Experian, and TransUnion — refreshed every month.

  3. STEP 3

    Get alerts when anything changes

    New inquiries, balance changes, new accounts — you'll know within minutes, not weeks.

One dashboard

Three bureau scores, side by side, every month.

Stop logging into three different sites to see your full credit picture. Everything lives in one place — on any device, at any time.

  • Scores from all three bureaus

    VantageScore 3.0 from Equifax, Experian, and TransUnion.

  • Full credit reports, refreshed monthly

    Trade lines, balances, inquiries, public records — all in one view.

  • Unlimited access, no ads

    Check as often as you want. We don't sell your data or show you offers.

How we're different

Why pay when free monitoring apps exist?

Free apps look at one bureau and pay the bills by selling you credit cards. RefreshMonitoring looks at all three — and answers only to you.

RefreshMonitoring
Paid, 3-bureau, ad-free
You're the customer
  • Bureaus monitored
    All 3 (Equifax · Experian · TransUnion)
  • Score model
    VantageScore 3.0 from all three
  • How it's paid for
    You're the customer — paid subscription
  • What's done with your data
    Used to show you your credit. That's it.
  • Refresh cadence
    Monthly reports + real-time alerts
Most free monitoring apps
Free, single-bureau, ad-funded
You're the product
  • Bureaus monitored
    Usually 1 (often TransUnion only)
  • Score model
    Single-bureau VantageScore
  • How it's paid for
    Advertisers pay — you see credit card offers
  • What's done with your data
    Often sold to advertisers and lead buyers
  • Refresh cadence
    Weekly score updates, no full report

What you get

Monitoring built for clarity.

Keep an eye on your credit reports, get a heads-up when something new shows up, and learn what it means — all in one place.

24/7 monitoring

Inquiries can happen anytime. We watch all three of your credit reports around the clock, every day of the year.

How monitoring works

Real-time alerts

Get notified the moment we see new inquiries, balance changes, or activity that could affect your scores.

What alerts you'll get

Credit education

Understand what your scores and reports actually mean — without the jargon, in our member library.

Browse credit FAQs

Pricing

Straightforward monthly pricing.

Month-to-month. No annual contract. Cancel from your account at any time.

3-bureau monitoring
RefreshMonitoring
$49.99/month

Reports and scores from Equifax, Experian, and TransUnion. Refreshed every month. Real-time alerts when anything changes.

Get started
  • Equifax, Experian, and TransUnion reports
  • VantageScore 3.0 from all three bureaus
  • Real-time alerts across all three
  • Unlimited access on any device
  • Cancel anytime

Bank-level encryption. Cancellation takes effect at the end of the current billing period.

FAQ

Questions, answered.

  • How do I cancel my subscription?
    You can cancel at any time by logging in to your account and using the cancellation option in your account settings, or by emailing support@refreshmonitoring.com from the email address on your account. We'll process the request promptly.
  • How often are my reports and scores updated?
    While your subscription is active, your credit reports and scores refresh on a recurring basis — generally monthly. RefreshMonitoring is not a real-time service, so information may not reflect the most current data held by the bureaus at any given moment.
  • Will checking my credit through RefreshMonitoring hurt my score?
    No. We pull your reports and scores using soft inquiries, which are visible only to you and never affect your credit scores. There are no hard inquiries involved.
  • Why don't my scores match what my lender uses?
    Your scores in RefreshMonitoring are educational scores calculated using the VantageScore 3.0 model. Lenders, insurers, and landlords commonly use different scoring models — often a version of the FICO Score — and may reach different conclusions than the educational scores shown here.
  • What kinds of alerts will I receive?
    New accounts opened in your name, new credit inquiries, balance or payment status changes on existing accounts, address changes, public-record changes such as bankruptcies, and other monitored events across all three bureaus.

More questions? See the full Member FAQ →

See your whole credit picture.

Reports and scores from all three bureaus, with alerts the moment anything changes. Cancel anytime.

Start monitoring