Once a lender makes a “positive” decision, they may want to review your credit report on a regular basis as they strive to manage their financial risk. This is called ”account monitoring“ and scans your credit report for certain risk characteristics defined by the lender. Federal law permits lenders to monitor their customer accounts. When you signed your credit application, you gave the lender permission to access your credit report when they see fit.

Once lenders make a "yes" decision, they might want to review your credit report on a regular basis as they continue to manage their financial risk. This monitoring, called account monitoring, scans credit reports for certain risk characteristics as defined by the lender. Federal law specifically permits lenders to monitor their accounts. When you signed your credit application, you gave the lender permission to access your credit report from time to time.