Your credit monitoring service is provided by AutoPayPlus through a business partnership with TransUnion. TransUnion is one of the three major credit reporting agencies. Credit reporting agencies or credit bureaus collect your credit history from credit card companies, banks, mortgage companies, and other creditors to create your credit report, so the agencies also know when you have new inquiries. Reporting on these inquiries to the credit holder is credit monitoring.
In order to participate in credit monitoring, you must successfully answer the identity verification questions that are provided by TransUnion in the customer website portal. The qualifying process and service is operated by TransUnion.