Secure The Bag Financial requires ALL clients to maintain credit monitoring. Credit Monitoring is very important to have throughout the entire process. The cost is $27.99/month with Identity IQ. Failure to do so, your account will go inactive and all dispute letters will cease until your subscription is back active with them. You must complete onboarding within 48 hours of receiving your client portal. The estimated time to complete is roughly 10-15 minutes. If you think you’re not able to complete onboarding at the time of enrolling, please wait until you have the time. Lastly, if you are behind on your *current* bills, please do not sign up for our services. Closed/Charged-Off accounts are fine. We do not want to be a burden by adding an additional bill on you.