According to these things most credit monitoring agencies advertise that they provide regular credit check to notify you of changes in your credit report. (getrichslowly.org)
It is impossible for a third party to make changes in your credit report file if the facts have been correctly reported. (consumerbadcreditguide.com)
Check your credit report again several months later or sign up for a credit - monitoring service to keep tabs on changes in your credit report. (valuepenguin.com)