• Credit monitoring is a service provided under a privacy notice and crisis management agreement under a cybersecurity and privacy insurance policy. Credit monitoring is offered immediately after a data breach that exposes personal information (PII) of various individuals. Such monitoring includes, but is not limited to, monitoring of credit history (usually for 1 year) to detect any suspicious activity or unauthorized charges. It also provides regular access to your credit history, as well as special alerts when there are significant changes in your credit history.