• Nadine Hohnke

How to Monitor Your Credit



Whether you want to protect yourself against identity theft or just want to keep an eye on your credit score, it's smart for you to monitor your credit. Credit monitoring services let Detroit residents track their progress to better credit, make it easy to see if your score has been compromised, and go into any financial agreement knowing where you stand. If you've got questions like "how often should I check my credit?" or "how does credit monitoring work?" we're here to help.


How Does Credit Monitoring Work?


When it comes to credit monitoring, you’ll not only track how much you’re spending and saving for bills and other financial obligations, but also changes to your finances, such as employment and insurance changes.


When you subscribe to a credit monitoring service, you’ll have records of any current or past loans, along with other information like where your social security number has been used and changes to your home address. Many credit monitoring services send you regular updates -- say, every month or so -- and you can check your score personally whenever you want. They can also send you alerts if they detect unusual activity.


How Often Should I Check My Credit?


Thieves and scammers are finding new ways to commit identity theft in the post-COVID-19 world, and if you haven't checked your credit rating since before March of 2020, it would be a good idea to check it soon. If you sign up for credit monitoring, many services include

  • Fully-Managed Identity Recovery

  • Member Education

  • Identity Theft Newsletter

  • Credit Monitoring

  • Lost Document Replacement

  • Score Tracker

  • Expense Reimbursement

  • Dark Web Monitoring

  • Credential Vault

If you're not sure credit monitoring is for you, you should check in on your score at least once a year. Many Romulus and Redford residents check their score when they prepare their taxes, but we think it's better to check in more than once a year. And you should be checking your savings, checking, and credit card accounts monthly for any unexpected charges.

Find More Credit Monitoring Tips at Public Service Credit Union


As you can see, there are many advantages to credit monitoring, but the biggest benefit is the peace of mind that comes with knowing your credit and identity are secure. At Public Service Credit Union, we’re proud to offer Detroit-area customers plenty of reliable banking solutions and resources to meet their financial needs. Learn how you can become a member of our credit union and discover the credit resources that suit you best. Contact us today for more information and to get started!

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(734) 641-8400 


Routing # 272079487

NMLS #: 469775


Copyright © 2012 Public Service Credit Union
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Your savings federally insured to at least $250,000 and backed by the full faith of the United States Government. We do business in accordance with the Federal Fair Housing Law and the Equal Opportunity Act. 

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