Why is the Credit Monitoring Service that I have reporting alerts and/or lower scores?


A:  When using an online credit monitoring service be aware that the scores are often inaccurate. When we send letters out to dispute your inaccurate information, these monitoring companies will alert you for each thing that we are disputing for you.  For example if you had 12 negative things on your credit report.  They will alert you potentially 12 times. It is ok; that just means that we are doing our job.  I have found that the most accurate credit scores come from banks or mortgage companies. We have found that the online ones for consumers are rarely accurate.

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