Identity Guard

Bottom line: All 3 credit scores free; most comprehensive & best overall service; 25% discount & free 30-day trial
PrivacyGuard

Bottom line: All 3 credit scores for $1; monthly credit score & report updates plus other benefits; 30-day trial for $1
Trusted ID

Bottom line: All 3 credit scores free; great value, especially for families; free 14-day trial
Equifax Complete Advantage

Bottom line: All 3 scores plus excellent 3-bureau monitoring and ongoing Equifax score updates; no free trial
ProtectMyID.com

Bottom line: Cheapest monthly price to monitor all 3 credit reports, but no scores
LifeLock Credit Score Manager

Bottom line: 3-bureau credit monitoring & one-time 3-bureau credit scores; updates TransUnion score monthly
ID Protect Premium from American Express

Bottom line: 3 bureau monitoring and one-time 3-bureau credit reports available upon enrollment but doesn't include credit scores
CreditCheck Total

Bottom line: Monthly 3-bureau credit score updates; $1 7-day trial; a bit expensive
Equifax Score Watch

Bottom line: Only monitors Equifax report; two Equifax FICO® Score reports annually plus updated score whenever it changes; no free trial
CreditReport.com

Bottom line: 3-bureau monitoring; bi-monthly Experian score updates; free 7-day trial
True Credit 3-Bureau

Bottom line: Only monitors TransUnion credit report; unlimited TransUnion scores; free 7-day trial
FreeCreditScore.com

Bottom line: Only monitors Experian report; two updates/mo to your Experian Score; free 7-day trial

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Resolve to improve your credit score in 2009

January 6th, 2009 - Posted by Caitlin

When you sign up for a 30 day free trial of Equifax's credit monitoring service, you'll also get a free Equifax credit report and your FICO score. Your Equifax credit report and FICO score will have a section devoted to explaining what, exactly, your FICO score means. This section tells you where your score falls in comparison to other consumers, lists the specific factors that are helping and hurting your score, and offers suggestions on how to improve it. Your report will also explain what your FICO score means to lenders, and how it will impact their perception of your loan risk. A unique feature offered by Equifax is the FICO simulator, which is a useful tool that predicts how your score might change over time. The first three tabs let you play with different scenarios to see what actions could raise or lower your score, and the fourth tab advises you on the best strategy for improving your score.

If you'd like to improve your credit score in the new year but aren't sure how to go about it, a credit report and FICO score from Equifax could be just the help you need. To learn more about Equifax with Score Power and other credit report and score services, see our reviews and comparison chart.

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