Credit Monitoring Services Review
This credit monitoring services review can help you decide which program is right for you. Generally, you want to be able to monitor all three credit reports, as discussed in our articles on credit monitoring for fraud. In addition to this capability, the most popular credit monitoring plans also offer daily alerts to key changes in your file, unlimited access to reports, fraud resolution assistance, and identity theft insurance.
Even though there are slight variations in fees, each of the following companies all offer a good product.
TransUnion Credit Monitoring
TransUnion Credit Monitoring includes immediate access to your TransUnion Credit Report & Score with unlimited updates, notification within 24 hours of critical report changes, up to $1,000,000 ID theft insurance, and toll-free specialists. Find out more at TransUnion.
- Best feature: Immediate access to reports and scores. Economical
- Worst feature: only get access to your TransUnion information.
Equifax Credit Monitoring
Daily monitoring of your Equifax credit report, with email and text alerts within 24 hours of any key changes, ID Theft Protection, and fraud resolution assistance for victims of identity fraud. Also included is an Equifax credit score and a 3 in 1 report with your credit score from each of the three bureaus. They also offer assistance to help get everything straightened out if you lose your wallet. Another really cool feature is that you will be alerted when your risk level or score changes more than 10 points. Find out more from Equifax.
- Best feature: In-depth guidance on your financial data
- Worst feature: Costs more to monitor all three bureaus
Experian Credit Monitoring
Get automatic notification of key changes to your credit file across all 3 credit bureaus. You'll also receive your FICO score, identity theft monitoring, access to live customer and fraud resolution support, and a score center where you can track changes to your credit score over time and estimate how different changes will affect your score. Find out more from Experian.
- Best feature: Free with no credit card required.
- Worst feature: Credit score only based on Experian information .
The credit monitoring services review from above can help you pick the best program for your situation. To help you learn more about protecting your credit, read the following articles:
FTC Disclosure: We may be compensated if you make a purchase via a link on this site.
