Credit Report Monitoring

Updated 12-11-2014

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; 25% discount & 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 with enrollment in CreditReport.com. Plus, get a $5 Amazon.com gift card when you sign up.
ProtectMyID Rating:stars
Monitors Experian credit report, but doesn't include scores; $1 7-day trial with enrollment in ProtectMyID
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 with enrollment in FreeCreditScore.com

NextAdvisor Credit Report Monitoring Blog Headlines

'Tis the Season to Check Your Credit Reports
Dec 9, 2014 - Americans will spend billions of dollars this holiday season, and nearly half of them will buy their gifts with a credit card, according to a NextAdvisor.com survey on spending habits. With that in mind, it?s the perfect time to start monitoring your credit reports. Why should I monitor my credit...

Credit Report Monitoring and Identity Theft Protection: What's the Difference?
Dec 5, 2014 - With the rise of fraud in the country, especially those involving credit cards, one might ask themselves: do I need credit report monitoring or identity theft protection? What?s the difference? They both use similar language in their advertisements, and unless you?re a victim of a data breach, yo...

FTC Nabs Sites Claiming to Offer 'Free' Credit Scores
Nov 21, 2014 - Three credit report monitoring companies have agreed to pay $22 million in consumer refunds under the terms of a settlement reached with the Federal Trade Commission and the state attorneys general in Illinois and Ohio on Wednesday. The FTC said that these three companies ? One Technologies, LP, ...

FBI Says More Than 500 Million Financial Records Stolen This Year: How to Protect Yourself
Oct 22, 2014 - "You're going to be hacked. Have a plan," Joseph Demarest, assistant director of the FBI's Cyber Division, warned a group of business leaders at a cybersecurity event on Monday. This event, organized by the Financial Services Roundtable, sought to help business owners understand the magnitude of ...

6 Surprising Ways Having Bad Credit Hurts
Oct 21, 2014 - It's been said many times that having a low credit score can hurt your finances. From being denied a credit card to receiving a high-interest rate on an auto loan, poor credit will hurt you. In addition to the recognizable consequences, there are a few lesser known, but still hazardous, effects b...

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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 and private label issuers. We may also review cards from other issuers in select cases. We do not review all products in a given category. We are independently owned and operated and all opinions expressed on this site are our own.