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Credit protection services help a consumer track his/her credit movement; it informs the consumer if any unauthorized charges have been made or if someone other than the consumer is attempting to set up an account in the consumer's name.
It works by notifying the consumer's bank, credit providers, credit bureau, and the consumer when a suspicious or unauthorized change in his/her accounts occurs. Also it can detect when a false account is being established using a consumer's personal data. Credit protection services often allow the consumer to check his/her credit status via the internet. Credit protection services do not help a consumer raise his/her credit rating nor does it affect it in any negative way.