Credit Monitoring w/ IdentityIQ

Why IdentityIQ?

When it comes to monitoring your credit and staying on top of your financial health, not all services are created equal. IdentityIQ gives you access to all three major credit bureaus — Experian, Equifax, and TransUnion — with detailed reports, daily score tracking, and instant alerts about changes to your profile. But what really sets it apart is how well it works with your credit repair journey.

At Got Credit?, we rely on IdentityIQ because it gives us the depth and accuracy we need to dispute negative items and track your progress in real time. Whether you're working to buy a home, get a new car, or qualify for business funding, IdentityIQ provides the insights and data you — and your credit repair team — need to move forward with confidence.

From fraud alerts to identity theft protection, IdentityIQ doesn't just show you where you stand — it helps you protect everything you’re building.

IdentityIQ Explained

IdentityIQ offers access to your VantageScore 3.0 credit scores, which are based on data from the three major credit bureaus: Equifax, Experian, and TransUnion. Even though VantageScore 3.0 is not the score that most lenders use, having access to three credit reports every month is still extremely valuable. This service allows you to track all the changes on your credit reports—whether it's due to new accounts, changes in credit utilization, or any other factors affecting your credit.

Why is this beneficial?

• You’re still monitoring the most current and accurate data from each of the three bureaus, which is crucial when you're in the process of repairing your credit.
• Being able to track updates on a monthly basis ensures that you can catch errors or negative changes before they negatively impact your score.
• The VantageScore 3.0 is widely accepted by many services, so it helps you gauge your creditworthiness and monitor improvements over time.

While VantageScore 3.0 might not be used by all lenders, it’s a helpful tool for keeping track of your credit health overall.

If you are looking to obtain your FICO Scores, please click here.