Credit monitoring is a service that acts like a watchdog over your credit file and notifies you of any major changes to it so you are quickly alerted to any fraud on your accounts. Because the activities of fraudsters opening accounts in your name will show up first on your credit report within 30 days, especially when they fail to make payment on fraudulent accounts in your name, credit monitoring is helpful in detecting fraud on your accounts. The problem with credit monitoring is that the only catches the thievery once your accounts have already been hacked or used fraudulently and so it cannot protect your accounts from fraud or hacking. Keeping tabs on your credit accounts will also show you your progress when trying to repair or build your credit, so credit monitoring is very helpful in knowing where you credit stands. We need to use companies that update your report. So when you get deletions you know what is going on.