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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Data Breach Alert: A series of data thefts impact Visa and MasterCard

March 3rd, 2009 - Posted by Caitlin

Reports of more another breach have followed the news that 100 million transactions processed by Heartland Payment Systems had been exposed last month. Visa and MasterCard recently warned certain banks and credit unions that more customer data has been compromised, but will not disclose the name of the latest credit card processor to be infiltrated, nor will they say how many customers have been affected.

The Heartland breach was discovered only after a pattern of credit card fraud emerged, leading back to the credit card processor. This means that the stolen card numbers were actively in use by identity thieves. Security analyst Michael Argast says that the latest stolen data has most likely also reached the hands of criminals.

Impacted banks have begun issuing replacement credit and debit cards to MasterCard and Visa cardholders, and will continue to do so over the next few weeks. It is always a good idea to have a credit monitoring service keep an eye on your credit report and alert you of any suspicious activity.

An identity theft protection service will go a step further to protect you and to prevent fraudulent accounts from being opened in your name. To learn more about credit monitoring services and identity theft protection services, see our reviews and comparison charts.

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