How does credit monitoring work?

Credit monitoring is a service that continuously monitors your credit reports and scores for any sudden changes, updates, and even reporting errors. Whenever changes are made to your credit report, you’ll be alerted immediately so you’re never caught off guard. In other words, it does the dirty work for you, and it gives you the security and peace of mind that you deserve.

Here at Cosemblant, we partner with the leading experts in all things credit: TransUnion. Because TransUnion is one of the three major credit bureaus, their credit monitoring services are quite literally the best of the best. So when you choose Cosemblant, you’re also choosing TransUnion. You’ll be able to rest easy knowing that your credit report is in good hands.

Why should I care about credit monitoring?

Credit monitoring is a common factor amongst financially healthy people. But above all else, credit monitoring is a great weapon against identity theft — and maybe even a necessary one.

For instance, let’s just say someone opens a new line of credit under your name. When you have credit monitoring at your side, you’ll be alerted of the change immediately so you can take action before it leaves any permanent damage.

How do I know if I need credit monitoring?

If you’re concerned with the health and safety of your financial life, then you absolutely need credit monitoring. It’ll make your job a lot easier. (And honestly, who would turn down the opportunity to receive credit monitoring from TransUnion?)

What else can Cosemblant offer me?

You’ll be able to take advantage of tons of member-only benefits, including 24/7 credit monitoring, automatic credit alerts, and even member rewards.

What happens if I get a credit alert?

Well, that’ll depend on that type of alert you receive. Let’s say you receive an alert about a credit inquiry. If you’re positive that the credit inquiry was not you, then you’ll need to call the number on the credit inquiry as soon as possible and then take action accordingly.

What are credit inquiries?

Credit inquiries are requests made by financial companies when they need to learn a little more about you before they decide to lend you money. So the only time you should ever see these appear on your report is when you’ve applied for a loan, a new line of credit, or even a new apartment.

I’m already a member and I have some questions about my membership. Who do I talk to?

You can reach us at our customer service line for any and all of your questions:

(833) 692-0330

Monday - Friday: 9 AM - 9 PM EST
Saturday: 9 AM - 6 PM EST
Sunday: 1 PM - 6 PM EST

What if I want to cancel?

You can cancel any time you want. Just call our customer service line at (833) 692-0330 and our customer service reps will walk you through the whole thing.

What if I canceled by mistake?

Don’t worry, you’re not the first! Give us a call at (833) 692-0330 and we’ll get your membership reinstated right away.

I need to request a refund. What should I do?

Talk to us first. Trust us, it’s a lot simpler than going to your bank or credit card company about it. Give us a call at (833) 692-0330 and we’ll be happy to work with you.