Credit Monitoring that Catches What Matters
1- or 3-bureau coverage, real-time alerts, and restoration—backed by insurance where your plan includes it.
SOC 2 Certified
US Based Support
Up to $1M coverage
Credit is often the first place fraud shows up. Enfortra monitors new activity across 1 or all 3 bureausand alerts customers quickly, so they can act before small issues become big problems.
Core Strategic Benefits
Fast, Clear Alerts
See important changes as they happen with real-time push and email notifications triggered directly by bureau activity.
Instant Signal Push- Bureau Direct Sync
Flexible Coverage
Choose 1-bureau for essential monitoring or 3-bureau for maximum visibility across Experian, Equifax, and TransUnion.
- Scalable Bureau Tiers
- Dynamic Plan Support
Guided Next Steps
Every alert includes plain-language context on what it is, why it matters, and actionable steps to take immediately.
- Plain-Language Context
- Instant Action-Guide
Hands-on Restoration
Our U.S. experts handle disputes, documentation, and outreach end-to-end to restore the customer's credit health.
- White-Glove Recovery
- Specialist Bureau Outreach
Insurance Alignment
Where included, pre-breach insurance helps cover eligible losses and out-of-pocket restoration costs.
- Reimbursement Layer
- Integrated Claims Flow
Deliver It Your Way
Deploy via white-label portal for speed, or utilize our robust APIs for a fully native embedded experience.
- 100% Branded Portal
- Headless API Option
Strategic Use Cases
Discover how Enfortra's credit monitoring infrastructure powers protection across diverse enterprise environments.
Consumer Protection Programs
Bundle identity and credit protection into a single, high-value consumer offering that increases subscriber stickiness and brand loyalty
Financial Institution Tiers
Banks and insurers can differentiate premium account tiers with 3-bureau monitoring, providing elite security for high-net-worth clients.
Employee Protection Benefits
Protect employees from personal credit abuse that can lead to broader organizational risk, financial stress, and productivity loss.
Fintech & Digital Lending
Embed real-time credit signals into wealth management or lending apps to provide users with a complete view of their credit health.
Alerts & Bureau Features
Granular monitoring across all critical profile changes to stop fraud at the source.
New Tradelines / Accounts
Alerts for new credit cards, personal loans, or utilities opened using the user’s name or identifiers.
Hard Inquiries
Immediate notifications when lenders pull a credit report for new application authorizations.
Public Records
Monitors for bankruptcies, liens, and judgments as provided by the national bureaus.
Profile Integrity
Watch for changes in Name, Address, or Employer—updates that frequently signal account takeover attempts.
Status Changes
Detect late payments, charge-offs, and collections activity to mitigate downstream credit score impacts.
Report & Score Access
Secure delivery of bureau-direct reports and scores (optional by plan) for regular financial health checks.
History & Exports
View full alert chronologies and export data for personal recordkeeping or professional audit support.
NetSentinel Sync
Integrates credit signals with identity data via NetSentinel to provide a unified risk score for the end user.
Dispute Resolution
Direct links to U.S.-based restoration specialists for any suspicious bureau event detected.
Technical & Integration
What your policyholders receive as part of your branded ecosystem.
Provisioning
Automate the onboarding of thousands of users simultaneously with our robust, idempotent provisioning architecture.
- Programmatic 1/3 Bureau Enrollment
- Idempotent user upserts & management
- Bulk household/member provisioning
- Automatic plan-tier synchronicity
APIs & Webhooks
Pull granular bureau reports and scores or listen for real-time alert events with our developer-first webhook ecosystem.
- Real-time alert event webhooks
- Bureau report/score pull endpoints
- Replay-safe event logs & delivery
- Templated SMS/Email notification flows
Secure Data Handling
Architected for the strict data privacy needs of financial institutions, ensuring PII is protected throughout the monitoring lifecycle.
- Tokenized identifiers & encryption
- Configurable redaction controls
- Secure export & retention endpoints
- Full auditable action logs & trails
Frequently Asked Questions
Get answers to common questions about Enfortra's managed recovery services, insurance coverage limits, and how our rapid response team helps restore your identity after a breach.
