Some people have too much credit, and get into trouble.
Be prayerful when charging for things, or borrowing, and let the Lord Jesus Christ guide you when making credit decisions. It contains information pulled from Experian. The cost is Free for this service. Report is delivered by regular mail. The Monitoring Service includes a FREE copy of your Three-Bureau Merged Report by regular mail AND you will get quarterly reports of new activity on your credit report to guard against fraud and detect inaccuracies.