Monitoring vs. One-Time Scrub

Q: What is the difference between a debt settlement scrub and monitoring?

A scrub is a point-in-time check: submit an inventory and get every match back with its analysis. Monitoring is a standing watch: the inventory is loaded once, re-checked monthly, and only the changes — new enrollments and drop-outs — are reported.

Q: Can I start with a scrub and add monitoring later?

Yes. The standard start is both on day one — scrub the full inventory and list it on monitoring at the same time. Adding the watch later uses the same inventory.

Q: Does monitoring replace scrubbing new placements?

No. New placements are scrubbed as they arrive — weekly is the usual rhythm — and each batch joins the watch, so the monitored inventory stays complete.

Q: Which costs less, a scrub or monitoring?

Both run under the same volume plan: monitored inventory counts toward the same volume as scrubbed accounts, with no separate meter. The total depends on volume and mix.

The difference, side by side

Both services read the same enrollment data from the same network. What differs is time: a scrub freezes one moment and reports it completely, while monitoring keeps the question open and reports only the movement. Neither is the upgrade of the other — they answer different operational needs, and they are priced under the same volume plan.

	One-time scrub	Monitoring
What it is	A single check of a submitted inventory	A standing watch over an inventory, re-checked monthly
What you submit	A file (or API calls) each time you want an answer	The inventory once — nothing to resubmit
What comes back	Every match, with status, company, and as-of date — plus the full portfolio analysis	A monthly change report: new enrollments and drop-outs only
Freshness	As of the day the scrub runs	Current every month, against a network refreshed as often as daily
Best for	New placements, portfolio purchases, pre-litigation review	Held inventory worked over months, where enrollment can change mid-stream

When a one-time scrub fits

A portfolio being evaluated or just received — the enrollment picture is needed once, completely, now
A batch headed for litigation review, where the status check is part of the decision file
A one-off cleanup of a segment that has never been checked

When monitoring fits

Inventory held and worked for months, while consumers keep enrolling and dropping out around it
Dropped accounts are revenue the month they free up — monitoring catches that month instead of the next scrub cycle
Nothing to remember or resubmit: the watch runs until it is stopped

Better together: scrub first, then monitor

Scrub everything

The full inventory runs once. Every enrolled and dropped account surfaces, with the companies and the impact summary — the baseline everything else is measured against.

Watch it

The same inventory goes on monitoring the same day. From then on, the monthly change report carries the movement — no full re-scrub needed to stay current.

Keep feeding it

Each week’s new placements are scrubbed as they arrive and join the watch automatically, so coverage never develops gaps at the edges.

One plan covers both.

Scrubbed accounts and monitored inventory count toward the same volume — see what sets the cost and the pricing page.

Scrub or monitoring — questions

What is the difference between a scrub and monitoring?

A scrub is a point-in-time check: submit an inventory, get every match back with its analysis. Monitoring is a standing watch: the inventory is loaded once, re-checked monthly, and only the changes — new enrollments and drop-outs — are reported.

Can I start with a scrub and add monitoring later?

Yes — the standard start is both on day one: scrub the full inventory and list it on monitoring at the same time. Adding the watch later uses the same inventory; nothing has to be rebuilt.

Does monitoring replace scrubbing new placements?

No. Monitoring watches what it holds. New placements are scrubbed as they arrive — weekly is the usual rhythm — and each batch joins the watch, so the monitored inventory stays complete.

Which one costs less?

Both run under the same volume plan — monitored inventory counts toward the same volume as scrubbed accounts, with no separate meter. The total depends on the volume and the mix, which is what a quote is built from.