The Differences Between Credit Monitoring and Identity Monitoring

For people looking to implement some type of protection over their information, choosing between a credit and identity monitor may be a difficult decision to make, but knowing a few of the key differences – and similarities – between the two may be enough to make the decision easier. As it turns out, the two are very similar and efficient at protecting the most sensitive personal information for each individual that uses them… making each of these options a good choice no matter the situation or account status.



Both of these types of protection methods work well toward increasing the safety and security of the accounts that they work to monitor, making them valuable methods to implement when it comes to  trying to keep information private and secure. These two methods also work to monitor even the furthest reaches of information provided, meaning that even if an account or address has not been used in years, it is still considered when reporting the information back to the respective users. Both of these types of protection are almost constantly updated, meaning that they provide extremely advanced and up to date use of technology in order to best protect all of your most personal information and financials.



Credit Monitoring

This service is specifically designed to keep track of certain changes to your credit files. Plus, with regularly updated reports, users get a better look into financial history and changes. Credit monitoring services like the one provided by are a good way to take some of the pressure off of yourself when it comes to keeping track of your monetary situation; the vigilance will be there,  but it will not require a lot of additional time or effort by any of the involved parties. It is also less likely that something will be missed by this type of report, and the increased frequency of the updates makes it likely that even the most invasive identity thieves will not be able to remain buried within your information for long periods of time.

Identity Monitoring

On the complete opposite end of the spectrum, identity monitoring has nothing to do with finances, it instead focuses on the names and personally identifying information of users, monitoring the internet for SSN exposure, public databases for changes, even letting you know when someone – or you- changes information on certain accounts. This service is especially useful for those that are working to build credit, or for those  that have moved around a lot; not all identity theft happens online – sometimes thieves use information gained from mail in order to misuse it; this can be just as destructive as information that is obtained through the Internet. Many people don’t often think about their name being stolen or misused, but the truth is that it happens extremely often and it can be absolutely devastating to victims.


Each of these two methods are extremely useful when it comes to keeping thieves from digging in to your personal information  – choosing one or the other is dependent on your specific needs, however they are both viable and solid choices.  


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