Reader Question: Which credit report monitoring services provide ongoing credit report and score data?

Posted by Joe on May 14th, 2008

This is a post in our “Reader Questions” series where we publish actual question from our community. Ask your own question by visiting our contact form.

Q: Which credit report monitoring services provide will provide me with free credit reports and scores beyond the initial free credit report I receive when I sign up?

A: Most of the services we have reviewed offer unlimited access to your credit report from at least one of the credit bureaus.

For example, Equifax with Score Power gives a free 3 bureau credit report when you sign up plus you can view your updated Equifax report as often as you want for as long as you are a member of their service. You can learn more by reading our detail review of Equifax with Score Power.

CreditCheck Total, on the other hand, not only gives you access to a free 3 bureau credit report when you sign up, but also access to all three credit reports and scores any time you want to access them. You can learn more by reading our detailed review of CreditCheck Total.

Deciding which service is right for you really depends on your needs. While CreditCheck Total will give you access to all of your reports and scores, Equifax is the only provider that will give you access to your FICO score which is the credit score most lenders use when they are evaluating your creditworthiness. If having Access to your FICO score is important to you then Equifax is probably your best choice.

Both services have extensive 3 bureau credit monitoring meaning that you will have access to real-time updates anytime there are changes posted to any of your credit reports.

You can learn more by visiting our credit report monitoring service reviews and comparison.

• Equifax offers free 3-in-1 credit report and 3 bureau credit report monitoring
• Reader Question: What is the best way to monitor my FICO score
• Unlimited credit reports and scores from all 3 bureaus with CreditCheck Total
• Reader Question: How do I get my FICO score for free?
• Reader Question: How do I order my free credit report?