Credit Report Monitoring

Updated 04-17-2014

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; 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 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.com Rating:stars
Monitors Experian credit report, but doesn't include scores; $1 7-day trial; 50% discount
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

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 [...]

Best Credit Cards with Free Credit Scores
Apr 3, 2014 - On top of earning rewards for spending and helping you pay for large purchases, credit cards can also help you stay on top of your credit health. Not only can credit cards help you build a positive payment history, but they can also raise your credit score by improving your credit utilization rat...

Best Credit Cards For Your Credit Score
Apr 2, 2014 - In a sea of credit card offers that boast endless rewards and low interest rates, it can be difficult to reel in the perfect card for your needs. Sometimes the best way to decide is to let your credit score choose for you. People with great credit can get better interest rates and the best [...]

Is My Social Security Number Safe When Requesting Credit Reports?
Mar 6, 2014 - Q: I want to see my credit report, but I am worried about entering my social security number online to do so. How do I know whether my personal information is secure or not? A: This is a good question, and it's great that you are giving extra thought to the safety of your identity [...]

National Consumer Protection Week: 5 'Musts' For Safeguarding Your Identity
Mar 3, 2014 - It's National Consumer Protection Week, and we're providing tips on how consumers can protect their identity in every aspect of their lives. This week is an annual event that's coordinated by the Federal Trade Commission with the goal to encourage consumers to take advantage of their rights and h...

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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Disclosure: NextAdvisor.com is a consumer information site that offers free, independent reviews and ratings of online services. We receive advertising revenue from most of the services we review. Our editors thoroughly research and whenever possible test each service we review and offer their honest opinions about each one. We are independently owned and operated and all opinions expressed on this site are our own.