In-depth, Independent Research
There are a lot of ways to get your credit scores and credit reports and a lot of credit report monitoring services out there. The reality is that most of them are the same services repackaged by different companies. NextAdvisor.com has researched and tried all of them and has created the below comparison and reviews for only the services that we have found offer the best features and information at the best price. We selected these credit report monitoring services because each of them offers something valuable at a better price than you can find elsewhere. All of our recommended services provide email alerts within 24 hours of a change to your credit report and are run by large, reputable companies. Looking for free scores? Just sign up for one of the services with a free trial and cancel before the trial period ends. Have more questions about credit reports, credit scores or credit report monitoring? Visit our FAQ.
Credit Report Monitoring Reviews & Prices
Updated 05-19-2013
| Service Name: | Credit Scores: | Credit Reports: | Trial Period & Price: |
Credit Monitoring: | Rating: | Bottom Line: |
 | Free scores from Equifax, Experian & TransUnion | Reports from all 3 bureaus | Free 30-day trial; $14.99/mo (after our 25% discount) | All 3 bureaus |  | All 3 credit scores free; most comprehensive & best overall service; 25% discount & free 30-day trial |
 | Scores from Equifax, Experian & TransUnion for $1 | Reports from all 3 bureaus | 30-day trial for $1; $14.99/mo | All 3 bureaus | | All 3 credit scores for $1; monthly credit score & report updates plus other benefits; 30-day trial for $1 |
 | Free scores from Equifax, Experian & TransUnion | Reports from all 3 bureaus | Free 14-day trial; $10.42/mo for individuals; $20/mo for families (w/ annual prepay) | All 3 bureaus |  | All 3 credit scores free; great value, especially for families; free 14-day trial |
 | Free scores from Equifax, Experian & TransUnion | Reports from all 3 bureaus | Free 30-day trial; $20.63/mo (w/annual prepay after our 10% discount) | All 3 bureaus | | All 3 credit scores free, excellent ID protection; free 30-day trial & 10% discount |
| Service Name: | Credit Scores: | Credit Reports: | Trial Period & Price: |
Credit Monitoring: | Rating: | Bottom Line: |  | Scores from Equifax, Experian & TransUnion w/ enrollment | Reports from all 3 bureaus | $17.95/mo | All 3 bureaus | | All 3 scores plus excellent 3-bureau monitoring and ongoing Equifax score updates; no free trial |
 | No | Experian report | $10.35/mo (with exclusive 35% discount) | All 3 bureaus | | Cheapest monthly price to monitor all 3 credit reports, but no scores |
 | Equifax FICO® score w/ enrollment | Equifax report | $14.95/mo | Equifax | | Only monitors Equifax report; two Equifax FICO® Score reports annually plus updated score whenever it changes; no free trial |
 | Free Experian score | Experian report | Free 7-day trial; $19.95/mo | All 3 bureaus |  | 3-bureau monitoring; bi-monthly Experian score updates; free 7-day trial |
| Service Name: | Credit Scores: | Credit Reports: | Trial Period & Price: |
Credit Monitoring: | Rating: | Bottom Line: |  | Free TransUnion score | TransUnion report | Free 7-day trial; $16.95/mo | All 3 bureaus | | 3-bureau monitoring, unlimited TransUnion scores; free 7-day trial |
 | Free Experian score | Experian report | Free 7-day trial; $14.95/mo | Experian |  | Only monitors Experian report; two updates/mo to your Experian Score; free 7-day trial |
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