Credit Monitoring

Stay aligned, move faster

Monitoring lets us verify deletions quickly, time follow-ups precisely, and catch issues early.

Overview

Track changes across all three bureaus in one place

We use monitoring to confirm bureau results, schedule next dispute rounds, and respond to new activity like inquiries or balance spikes.

What it covers 3-bureau reports • score changes • alerts for inquiries, new accounts, late payments, breaches.

Why it matters Dispute windows are time-sensitive — reliable data keeps momentum.

Monitors

Pick the right tool — keep one active during service

Credit Hero Score (REQUIRED) is your 3-bureau anchor. A CFPB account (REQUIRED) is used for escalations when appropriate. The others complement these as needed.

Recommended Required

Credit Hero Score

★★★★★

All-in-one 3-bureau monitoring with fast alerts so we can verify changes and time next steps. Mandatory throughout your service with Meta Fiscal.

Best for Ongoing work with Meta Fiscal; one dashboard for deletions and updates.

Visit Credit Hero Score

Escalations Required

CFPB Account

★★★★★

Used for formal complaint logs/escalations when appropriate — we’ll guide you exactly. Mandatory throughout your service with Meta Fiscal.

Best for Documenting issues that need regulator attention.

Open CFPB Portal

Free Companion

Credit Karma

★★★★☆

Good for notifications and quick checks. Scores may differ from FICO; we focus on bureau changes.

Best for Day-to-day alerts.

Visit Credit Karma

FICO Detail

myFICO

★★★☆☆

When you need lender-specific FICO versions for major decisions like mortgage or auto.

Best for Deep dives on FICO models used by lenders.

Visit myFICO

Single-Bureau

Experian

★★★☆☆

For Experian-specific checks/features — pairs well with a 3-bureau tool.

Best for Verifying updates reported to Experian.

Visit Experian

Education

Credit.com

★★★☆☆

Educational resources and tools to understand changes and options.

Best for Learning and exploring scenarios.

Visit Credit.com

Why Monitoring

Faster confirmations, fewer surprises

When investigations finish, we want to see changes immediately. Monitoring compresses the time from update → action, so results stack faster.

Speed Confirm deletions promptly and sequence the next round on time.

Protection Catch identity issues or unauthorized activity early.

Clarity A single record of what changed and when.

Coordination Keep us in the loop — upload bureau letters and screenshots to the portal.

Setup Checklist

5-minute setup to cover your bases

Step 1 Activate your Credit Hero Score account and enable email/SMS alerts.

Step 2 Create a CFPB account with your correct name/address; store the login securely.

Step 3 Turn on 2-step verification for monitoring + portal logins.

Step 4 In our portal, add your alert email and upload any bureau letters you receive.

Step 5 If anything looks off, message us in the portal — don’t reply to a bureau directly.

Best Practices

Habits that keep your score trending up

Monthly review Check your report after each statement cycle; we’ll flag anything urgent.

Utilization Aim under 10–30% depending on profile; pay before statement close.

Autopay Keep builder payments automatic to avoid late marks.

Ask first Coordinate with us before applying or closing accounts.

Troubleshooting

If alerts look wrong or you can’t see updates

No new data? Refresh/re-pull inside your monitoring tool; confirm your subscription is active.

Mismatch? Screenshot the alert and upload it to the portal; we’ll verify across bureaus.

Identity flags Freeze your reports immediately and notify us; we’ll advise next steps.

Access Keep logins secure and MFA enabled across all tools.

FAQ

Common questions

Do I need monitoring the whole time? Yes. We rely on it for timing and proof. Pausing slows progress.

Which alerts matter most? New derogatories, inquiries, new accounts, and utilization spikes.

If I see a mistake, should I dispute it myself? No — upload it to the portal and we’ll handle it as part of your plan.

Billing If budgets are tight, tell us. We’ll help prioritize what to keep active.

Note: Keep monitoring active and share updates through the portal only (no email/text). When unsure, message us first.

Stay aligned, move faster

Track changes across all three bureaus in one place

Pick the right tool — keep one active during service

Credit Hero Score

CFPB Account

Credit Karma

myFICO

Experian

Credit.com

Faster confirmations, fewer surprises

5-minute setup to cover your bases

Habits that keep your score trending up

If alerts look wrong or you can’t see updates

Common questions

Contact Us

Send a Message

Contact Us

Company Details

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