Watch the file, not the score.
Equifax and Experian reports and scores pulled on a schedule, with each pull compared against the last one. What you get told about is what actually changed on your file, and every pull is a soft inquiry that does not affect your score.
Told about everything is the same as told about nothing.
Alert fatigue is what kills monitoring products. Changes are graded, and only the top two grades interrupt you. The rest wait for the digest.
- CriticalA new derogatory account, a new public record, an account opened that you did not open, an address change you did not make
- WarningA new inquiry, a balance crossing a utilization threshold, an account status getting worse
- InfoA balance moving within its normal range, a score change, an item removed
HazeScore is not open to the public yet. The pulling, diffing and alerting described on this page is built. What it needs is a contracted bureau data source, and that agreement is not signed — so we are not selling subscriptions and not taking payment. Ask to be told when it opens and we will email you once.
Request early accessYou are already entitled to a free copy of your file.
Under the Fair Credit Reporting Act you can get your report from each nationwide bureau free every twelve months. Beyond that statutory minimum, all three currently offer a free report every week, online, at annualcreditreport.com. Monitoring is a paid convenience on top of that: it runs on a schedule, it compares each pull to the last, and it tells you what moved. It is not a replacement for the free report, and we will not pretend otherwise.
FCRA §1681j · free weekly at annualcreditreport.com · soft inquiry