Does Credit Report Monitoring include more than one credit card?

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March 3rd, 2010 - Posted by Tasha

The following is an actual reader submitted question:

Q:  Does Credit Report Monitoring include more than one credit card?

A. Yes, it does.  Credit Report Monitoring keeps tabs on any changes to your personal credit report.  Your credit report covers your entire credit history, which includes all credit cards, loans and any type of credit account you open.  It also includes public record data such as bankruptcy information, unpaid tax liens, and past due child support.

Basically, credit report monitoring is a convenient and practical way of making sure your credit history is only affected by changes YOU make.  It helps to protect you from identity theft, and some services even go a step further and provide tools to help you improve your credit score.  Our top reviewed pick is Identity Guard, because it goes beyond other services by monitoring public records for any changes in your name and checking the Internet's black market for any use of your credit cards or other personal information.

If you're interested in your current credit report score, many of our credit report monitoring service (including Identity Guard) offer a free trial. You can sign up  to see your score for free and then cancel later at no charge.  However, we do recommend you keep the service because we feel it offers real-time monitoring that is almost impossible to achieve on your own and protects you from damage to your credit history over time.