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There are many features of credit monitoring that are great whether you are trying to repair your credit or already have outstanding credit.  Each of these features can benefit you in a different way.   For those with good credit, a monitoring service will help you avoid Identity Theft and allow you to monitor changes in your credit score.  For those struggling to build credit or repair bad credit, you can determine the negative items affecting your credit record and monitor your credit score for changes as you make efforts to repair your credit.