Credit Report Monitoring

Updated 07-29-2014

Your credit reports and credit scores determine whether you can get a home loan, an apartment, a credit card, a phone and much more. Yet most people don't even know their credit scores. And a 2013 FTC study found that 26% of people find errors on their credit reports that could affect their scores. You can get your credit scores for free and see your credit reports by trying out any of our top-rated credit monitoring services. In addition, these services give you explanations of what actions are helping or hurting your scores and what you can do to improve them. They'll also monitor your credit reports and scores daily for any changes and send you an email alert or text when a change occurs. Want to find out more? See our full credit report monitoring comparison.

Credit Report Monitoring Reviews & Ratings


Services: Our Ratings: Bottom Line:
Identity Guard® Rating:stars
Most comprehensive & best overall service we have reviewed; All 3 credit scores free; 25% discount & free 30-day trial
FreeScoresAndMore Rating:stars
All 3 credit scores free; monthly credit updates plus other benefits; free 30-day trial
PrivacyGuard Rating:stars
All 3 credit scores and 3-bureau credit report for $1; monthly credit score and report updates and excellent identity theft protection; $1 30-day trial
TrustedID Rating:stars
All 3 credit scores free; monthly Equifax credit report and score updates; great value especially for families; free 14-day trial
LifeLock Ultimate Plus Rating:stars
All 3 credit scores free, excellent ID protection; free 30-day trial & 10% discount
CreditReport.com Rating:stars
3-bureau monitoring; score updates every 30 days; 7-day trial for $1
ProtectMyID Rating:stars
Monitors Experian credit report, but doesn't include scores; $1 7-day trial
TransUnion Credit Monitoring Rating:stars
3-bureau monitoring, unlimited TransUnion scores; $1 7-day trial
FreeCreditScore.com Rating:stars
Only monitors Experian report; two updates/mo to your Experian Score; free 7-day trial

NextAdvisor Credit Report Monitoring Blog Headlines

LifeLock vs. Privacy Guard: Which Credit Monitoring Service Is Best?
Jul 10, 2014 - Your credit score is generally the biggest factor in determining whether you get approved for a home or car loan and credit card. That?s why it?s important to protect your credit and make sure that there aren?t any mistakes on your credit reports by monitoring them with a reputable company. The r...

Millennials Know Less About Credit Than Most Adults
Jun 17, 2014 - Are you a Millennial? Do you know your credit score? Then you are one of the few. Millennials know less about their credit scores than previous generations, according to a study released last month by the Consumer Federation of America and VantageScore. The results of the study show that millenni...

Best Credit Cards For Average Credit
Jun 3, 2014 - Do you have less-than-perfect credit and want a credit card to start building your credit scores? No need to stress; we've broken down all the best credit cards for those with average credit. These credit cards are designed for those with average credit, which means your chances of getting approv...

Will Identity Guard Protect Me And My Spouse?
May 23, 2014 - Q: Will one of Identity Guard's $14.99 memberships protect both me and my spouse? We share joint accounts, so can't we just use one account and both be protected? No, unfortunately one Identity Guard membership protects only one adult. In order for both you and your spouse to get protected with I...

What Is a Credit Utilization Ratio?
Apr 23, 2014 - Q: I am trying to improve my credit score and heard the term "credit utilization ratio." What is it and how does it work? A: While there are many factors that go into your credit score, according to FICO, your credit utilization ratio is a factor that makes up 30% of your credit score, which [...]

Credit
Report
Monitoring
Overview

Which Credit Report Monitoring is Best?

The best credit report monitoring service depends on what you're looking for. Our top-rated services offer free trials, so you can try them out at no cost and make sure they're right for you. These trials include free instant access to your credit scores, score explanations, 3-bureau credit monitoring and more. We've signed up for, used and evaluated all these services to get the information you'll need to make your decision.
Compare all Credit Report Monitoring services.

How Does Credit Report Monitoring Really Work?

Credit report monitoring services continually monitor your credit files for any changes. When a significant change occurs, you'll be alerted via email or text. By knowing what's happening on your credit reports you'll be able to help prevent identity theft. In fact, the FTC recommends close monitoring of your credit reports as one of the best methods to detect identity theft. Most credit monitoring services also give you free credit scores and credit reports, plus explanations of what factors are helping or hurting your creditworthiness.
View all credit report monitoring services.


Free Trials

Most of our highly recommended credit report monitoring services offer free trials, which include free access to your credit scores. We think it's important to monitor your credit scores and reports on an ongoing basis, but if you decide you don't want to keep any of these services, you can simply cancel during the trial period and your credit scores are yours to keep for free.


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Advertiser Disclosure: NextAdvisor.com is a consumer information site that offers free, independent reviews and ratings of online services. We receive advertising revenue from most but not all of the companies whose products and services we review. For credit cards, we review cards from all of the top 10 US issuers by purchase volume (according to Issue 1035 of The Nilson Report, Feb 2014) excluding issuers that require additional accounts to be a cardholder or private label issuers. We may also review cards from other issuers in select cases. We are independently owned and operated and all opinions expressed on this site are our own.