Credit Monitoring

People who can’t remember the last time they checked their credit report—or people who never have—are probably way overdue. With all the potential credit monitoring services, it also might seem impossible to guess which service is the best fit to learn about and improve upon credit scores. To help novice credit consumers, we’ve taken a look at several credit monitoring sites to compile our list of favorites in credit monitoring providers. Take a look at the ones we like the best and compare their features and benefits before you select a service.

Rank 1

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 Highlights
 3 Free Credit Scores
 Ongoing 3-bureau credit monitoring
 Prompt email, text, or phone alerts
 Quarterly credit report score updates
 $1 million identity theft insurance

Editor’s Rating*
4.9/5.0 Stars

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Summary: Upon enrollment, customers receive 3 credit scores based on data from the 3 major credit bureaus along with ongoing 3-bureau credit monitoring, quarterly 3-bureau credit report and score updates. The service offers alerts via email, text and phone. Customers also receive lost wallet protection and unlimited access to credit education specialists.

Rank 2

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 Highlights
 Free credit score and score report
 Free credit report
 Daily monitoring of credit report
 Automatic monthly updates
 Monthly rewards

Editor’s Rating*
4.8/5.0 Stars

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Summary: With up-to-date credit reports, credit scores and credit monitoring at all three credit bureaus, PrivacyGuard keeps members “in the know.” Advanced identity theft protection with proactive fraud surveillance for Social Security numbers and credit/debit card numbers helps members stay in control of their identities. In the event of identity fraud, PrivacyGuard could provide up to $1,000,000 in identity theft insurance.

Rank 3

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 Highlights
 Free credit score from each bureau
 Daily monitoring of all 3 credit reports
 Email alerts within 24 hours
 Online credit report dispute center
 $1,000,000 Personal Identity coverage plan

Editor’s Rating*
4.6/5.0 Stars

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Summary: FreeScore360 offers revolutionary services in credit monitoring, identity protection, and customer service to their clients. For instance, their customers may qualify for up to $1,000,000 of personal identity theft insurance, meaning FreeScore360 may protect a client’s financial future if his or her identity is stolen. For 360 degrees of coverage and monitoring, FreeScore360 may be a solid choice.

Rank 4

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 Highlights
 Free credit score
 Daily monitoring for all 3 credit reports
 Email alerts within 24 hours
 Fraud Resolution Assistance
 Member Rewards

Editor’s Rating*
4.5/5.0 Stars

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Summary: Allowing clients to set how often they’d like to receive score reports, from as little as one point change to as much as twenty points change, CreditReport helps clients monitor their credit as often as they’d like. CreditReport also keeps dedicated Fraud Resolution Assistants to help recover credit and file fraud reports. With CreditReport, consumers have more control over their credit monitoring experience.

Rank 5

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 Highlights
 Free Credit Score
 Daily monitoring of credit report
 Email alerts within 24 hours
 Optional text alerts and mobile app
 Discounts through Member Rewards

Editor’s Rating*
4.4/5.0 Stars

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Summary: One of the more well-known names in credit monitoring, FreeCreditScore has been helping educate people about credit reports for a long time now. With a hypothetical scenario slider, clients can learn how different actions might impact credit without having to live through the results. With a wide array of add-on features, FreeCreditScore helps clients to customize their service as they regain control of their credit.

Rank 6

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 Highlights
 Free credit score and score report
 Free credit report
 Daily monitoring of credit report
 Automatic monthly updates
 Monthly rewards

Editor’s Rating*
4.4/5.0 Stars

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Summary: Sending monthly credit monitoring updates, MyFreeScoreNow keeps consumers in touch with issues that are important to their credit scores with all three credit bureaus. Their service may also offer monthly incentives, like a $25 gift card for subscribing to their service or reward discounts for keeping an account active. All these bonuses just enhance the already great monitoring services of MyFreeScoreNow.

Our Winner:

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Identity Guard’s combination of offering three credit scores based on data from the three bureaus for free, ongoing credit monitoring with email alerts, and $1 million no deductible identity theft insurance makes them a clear winner in our eyes. Users will love their Identity Guard Dashboard, which makes using the service straightforward for novice internet users. In independent reviews found online from real customers, people noted that Identity Guard caught incidents as serious as people opening credit accounts under their name. In this digital age where anyone could be eavesdropping on any internet session or phone conversation, we recommend Identity Guard to help protect your name and credit. Read full review

Our Latest in Credit Monitoring Services

identity guard review

Identity Guard® is a credit monitoring solution created by Intersections Inc., which has provided identity theft and credit monitoring services to more than 35 million individuals since 1996. Identity Guard offers Total Protection®, a credit monitoring solution that includes monitoring of credit files at all three major credit bureaus. This plan monitors Equifax®, Experian®, and TransUnion® credit files and quickly alerts customers to certain changes. For victims of identity theft, the experts on the ITAC Victim Assistance® team will assist… Read full review

privacyguard review

PrivacyGuard, a pioneer in the industry since 1992, is a thorough credit monitoring and identity theft protection service that protects over 7 million consumers’ credit and identities. PrivacyGuard is endorsed by Frank Abagnale, the well-known author and authority on identity theft who has been associated with the FBI for over 30 years. With up-to-date credit reports, credit scores and credit monitoring at all three credit bureaus, PrivacyGuard keeps members “in the know.” Advanced identity theft protection with proactive fraud surveillance… Read full review

freescore360 review

FreeScore360 provides not only valuable insight into credit profiles, but also takes security measures to help clients avoid becoming victims of credit fraud or identity theft. FreeScore360 is powered by ScoreSense, a leading provider of products in the consumer credit monitoring industry. The enrollment process is simple, requiring basic personal information (name, address and email address) and membership security details. A client’s Social Security number and date of birth are also needed to confirm identity and retrieve credit data… Read full review

creditreport review

Owned by Experian®, CreditReport.com™ is part of ConsumerInfo.com, Inc.–a leading provider of online consumer credit reports, credit scores and credit monitoring products founded in 1995, which currently has more than 3.1 million members. CreditReport.com performs daily credit monitoring as well as providing consumers with access to their credit score. Alerts to changes in reports are sent by email, but clients also have the option to receive them by text message. CreditReport.com will also notify consumers when their credit scores change… Read full review