How Do Free Credit Monitoring Sites React to New Credit Inquiries?

Quick Tips - How Do Free Credit Monitoring Sites React to New Credit Inquiries?

How Do Free Credit Monitoring Sites React to New Credit Inquiries?

Over on Dyer News, I end up doing a lot of personal finance app reviews. This includes a variety of free credit monitoring services that allow you to view your educational credit scores and give you tips for improving them. The thing is that, while I explore each of these services in-depth to review them, it’s always interesting when I learn more through everyday happenstance. Sure enough, this week include one such incident.

Earlier this week, at long last, I received my invitation to sign-up for Apple Card. After much consternation about whether or not I really needed another credit card, I ended up applying — mostly just so I could review (because no one else is doing that, right?). Of course, applying not only necessitated unfreezing my credit report but also meant adding a new inquiry to said report.

The good news is that I had four services alert me to the hard pull: Credit Karma, Credit Sesame, WalletHub, and Mint. Funny enough, each of these alerts arrived within a few minutes of each other. Also encouraging is that it was only an hour or two after my application was submitted that the notifications rolled in.

At the same time, despite these alerts making their way to me so rapidly, the damage would have already been done had the one applying been anyone other than me. That’s why I’d recommend freezing your credit reports with all three bureaus — especially now that it’s free to do so. Speaking of freezes, I should note that WalletHub was the only one of the sites that also sent me notifications when my freeze was lifted and when it was reinstated, so bonus points for them.

As helpful as free credit monitoring sites are for learning about your credit and how to improve it, it’s nice to know that these services work as advertised and notify you of changes as well. When these developments are legitimate, such alerts are a relief. Unfortunately, they still may arrive too late if trouble is afoot. P.S. — watch for my Apple Card review over on Dyer News. 😉


Kyle Burbank

Kyle is a freelance writer and author whose first book, "The E-Ticket Life" is now available on Amazon. In addition to his weekly "Money at 30" column on Dyer News, he is also the editorial director and a writer for the Disney fan site and the founder of

Other Articles by Kyle Burbank

American Express is Currently Rewarding Cardholders Who Shop Small

Every November the past few years retailers and restaurants across the country have celebrated Small Business Saturday. Starting in the vein of Black Friday and other post-Thanksgiving Day shopping holidays, Small Business Saturday has grown into its own event and helped local entrepreneurs get some extra attention. Funny enough, while...

The Author Journey: What's Working (and What's Not) With My Process So Far 2

Last month, I kicked off an article series in conjunction with a new book project I'm currently working on. True to my word, with one month now past, I'm back to provide an update and offer some insight into the process. This time around, I wanted to follow-up on a...

Travel Tuesday: Will Other Countries Welcome Americans Back? 2

A few weeks ago, I pondered when we might be able to travel again. While that post explored some of the latest news on that front including continued travel restrictions, one thing I didn't quite consider is that being allowed in a country and being welcome in a country are...


Leave a Reply Cancel reply

Your email address will not be published. Required fields are marked *