First Capital Program

Credit Monitoring

Real-time visibility into every change across all three credit bureaus.

Continuous, tri-bureau credit monitoring built for business owners who rely on strong personal credit. We watch Experian, Equifax, and TransUnion around the clock — new accounts, inquiries, balance swings, address changes, and score movement — and send instant alerts the moment anything posts. Delivered in partnership with Consumer Direct.

Program Highlights

Bureau Coverage

Experian · Equifax · TransUnion

Alerts

Real-Time · 24/7

Score Tracking

Monthly Refresh

Change Alerts

Accounts · Inquiries · Balances

Dashboard

Web & Mobile

Delivered With

Consumer Direct

Best For

  • ✓Business owners with personal guarantees on active credit lines
  • ✓Anyone actively rebuilding or protecting their credit score
  • ✓Applicants preparing for SBA, mortgage, or large-ticket financing
  • ✓Founders who want early warning on any change to their credit file

Requirements

  • ·U.S. resident with a valid Social Security number
  • ·Government-issued ID for identity verification
  • ·Active email and mobile phone for real-time alerts

How It Works

01

Enrollment and secure baseline pull across all three credit bureaus.

02

Continuous monitoring of new accounts, inquiries, balances, and personal info.

03

Instant email and mobile alerts the moment a change hits your file.

04

Monthly score refresh with side-by-side bureau comparison and trend history.

Fact-Backed Impact

Published research and industry data on how credit monitoring help U.S. businesses grow.

1 in 5

U.S. consumers has at least one error on their credit report serious enough to affect financing decisions — monitoring surfaces them fast.

Source: Federal Trade Commission, Credit Report Accuracy Study

30–100 pts

Typical FICO swing caused by an unnoticed new account, missed payment, or utilization spike — the exact events monitoring flags in real time.

Source: FICO / Consumer Financial Protection Bureau

24/7

Tri-bureau surveillance means changes that used to take 30+ days to surface on a mailed report land in your phone within minutes.

Source: Consumer Direct monitoring service

Real Outcomes

Retail

Small business owner

Alert flagged a hard inquiry the owner didn't recognize — cleared it in one call and kept their FICO intact ahead of a working-capital application.

Construction

Contractor, Florida

Monthly tri-bureau refresh caught a utilization spike from a business card that reported early; paid it down and requalified for a better SBA rate.

Composite outcomes based on client engagements; individual results vary.

Proud Credit Monitoring PartnerFirst Capital × Consumer DirectTri-bureau monitoring is delivered in partnership with Consumer Direct, a nationally recognized credit data and monitoring provider.
Consumer Direct

Ready to move on Credit Monitoring?

One application, one desk. A funding advisor will review your file and return offers tailored to your business.