Originally, the script proposed that Ford's character would look at the Equifax online reporting service and find a $95,000 gambling debt on his credit report, but that was technically inaccurate, Ely said.

Instead, the script was changed from the debt itself showing up on the credit report to a collections notice appearing on the report for an overdue debt. "The concept is realistic," Ely said.

Equifax Credit Watch is priced at $49.95 a year for weekly alerts of credit activity, $99.95 for daily alert coverage and $129 for daily alerts using data from all three major credit reporting vendors: Equifax and competitors TransUnion LLC and Experian North America Inc. All three companies maintain credit histories on U.S. consumers that are used by lenders and other businesses for a variety of purposes.

Credit-monitoring services are often offered by companies to their customers for free when personal data has been compromised through theft, hackers or other losses.

With the Credit Watch services, consumers can watch their credit files and quickly catch wrongdoing, Ely said. "You can stop an identity thief in his tracks right away, before he's able to do anymore damage," he said.