Credit Monitoring Enrollment Outage

Incident Report for Iris OnWatch

Resolved

Between 11:54 AM ET and 1:02 PM ET we experienced an issue affecting new credit monitoring enrollments. The incident has been resolved and the service is operating normally.

Overview


An outage at a vendor prevented users from completing identity verification during credit monitoring enrollment. The vendor has confirmed the issue is resolved, and enrollments have been completing normally since approximately 1:02 PM ET.


Impact


Between approximately 11:54 AM ET and 1:02 PM ET, users attempting to enroll in credit monitoring received an error during identity verification. Users already enrolled in credit monitoring were not affected and continued to receive credit alerts and view their credit scores and reports.


Client action needed


Users who were unable to enroll during this window can retry enrollment now.

Posted Oct 06, 2026 - 18:54 UTC

Monitoring

We are seeing recovery for new credit enrollments as of 1:02 PM ET. We will continue to monitor prior to resolving this incident.

Overview


A downstream vendor outage prevented users from completing identity verification during credit monitoring enrollment. The vendor has restored service, and enrollments have been completing successfully since approximately 1:02 PM ET.


Impact


Between approximately 11:57 AM ET and 1:02 PM ET, users attempting to enroll in credit monitoring received an error during identity verification. Users already enrolled in credit monitoring were not affected and continued to receive credit alerts and view their credit scores and reports.


Client action needed


Users who were unable to enroll during this window should retry enrollment now.

Posted Oct 06, 2026 - 17:17 UTC

Investigating

Overview


We have identified an issue with a downstream vendor that is preventing users from completing credit enrollment. Our vendor has been notified and we are working with them to restore service.


Impact


Since approximately 11:57 AM ET, users attempting to enroll in credit monitoring may receive an error during identity verification. Users already enrolled in credit monitoring are not affected and can continue to receive credit alerts and view their credit scores and reports.


Client action needed


No action is required. Affected users can retry enrollment once service is restored. We will provide another update within the next 2 hours, or sooner if we have new information.

Posted Oct 06, 2026 - 16:41 UTC
This incident affected: Iris API Suite (Credit Monitoring).