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Credit Report Monitoring FAQ

Frequently Asked Questions about Credit Report Monitoring

    Can't I get my credit report for free?

    Yes. You can get one free credit report per year from each of the three credit bureaus at www.annualcreditreport.com. While getting one report from each bureau once a year may be useful in a few select situations, in general we do not believe that this is sufficient. Negative, incorrect or fraudulent information can be posted to your report at any time, and unless you are notified immediately, you will not be able to take actions to correct or repair your credit. Particularly in the case of identity theft, time is of the essence. You can learn more about AnnualCreditReport.com here.

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Identity Guard
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Bottom line: All 3 credit scores free; most comprehensive & best overall service; 25% discount & free 30-day trial
PrivacyGuard
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Bottom line: All 3 credit scores for $1; monthly credit score & report updates plus other benefits; 30-day trial for $1
Trusted ID
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Bottom line: All 3 credit scores free; great value, especially for families; free 14-day trial
Equifax Complete Advantage
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Bottom line: All 3 scores plus excellent 3-bureau monitoring and ongoing Equifax score updates; no free trial
ProtectMyID.com
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LifeLock Credit Score Manager
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Bottom line: 3-bureau credit monitoring & one-time 3-bureau credit scores; updates TransUnion score monthly
CreditCheck Total
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Bottom line: Monthly 3-bureau credit score updates; $1 7-day trial; a bit expensive
Equifax Score Watch
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Bottom line: Only monitors Equifax report; two Equifax FICO® Score reports annually plus updated score whenever it changes; no free trial
CreditReport.com
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Bottom line: 3-bureau monitoring; bi-monthly Experian score updates; free 7-day trial
True Credit 3-Bureau
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Bottom line: Only monitors TransUnion credit report; unlimited TransUnion scores; free 7-day trial
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Bottom line: Only monitors Experian report; two updates/mo to your Experian Score; free 7-day trial

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