Credit Report Monitoring FAQ

Frequently Asked Questions about Credit Report Monitoring

    How do I cancel my credit report monitoring service?

    Most of the credit monitoring services reviewed on NextAdvisor.com offer a 7 or 30 day free trial. One benefit of these free trials is that they effectively allow customers to receive credit reports and scores for free, and then cancel before the trial period has ended. If this is your intention, you should be aware that you will have to enter your credit card information in order to take advantage of one of these free trials. Your credit card will not be charged until the end of the trial period. If you do decide you cancel, simply call the customer service department of the credit monitoring service that you selected.

    However, you should bear in mind that a one time credit report and score will not be effective in protecting you from identity theft, since fraudulent account activity could occur at any time. Our top ranked credit monitoring services are excellent and reasonably priced, and will alert you immediately if there are any changes to your reports. We hope that you would consider continuing this valuable service, but if you do choose to cancel, it will be a quick and easy process.

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Search our site for more information about Credit Report Monitoring:

Identity Guard

Bottom line: All 3 credit scores free; most comprehensive & best overall service; 25% discount & free 30-day trial
PrivacyGuard

Bottom line: All 3 credit scores for $1; monthly credit score & report updates plus other benefits; 30-day trial for $1
Trusted ID

Bottom line: All 3 credit scores free; great value, especially for families; free 14-day trial
Equifax Complete Advantage

Bottom line: All 3 scores plus excellent 3-bureau monitoring and ongoing Equifax score updates; no free trial
ProtectMyID.com

Bottom line: Cheapest monthly price to monitor all 3 credit reports, but no scores
LifeLock Credit Score Manager

Bottom line: 3-bureau credit monitoring & one-time 3-bureau credit scores; updates TransUnion score monthly
ID Protect Premium from American Express

Bottom line: 3 bureau monitoring and one-time 3-bureau credit reports available upon enrollment but doesn't include credit scores
CreditCheck Total

Bottom line: Monthly 3-bureau credit score updates; $1 7-day trial; a bit expensive
Equifax Score Watch

Bottom line: Only monitors Equifax report; two Equifax FICO® Score reports annually plus updated score whenever it changes; no free trial
CreditReport.com

Bottom line: 3-bureau monitoring; bi-monthly Experian score updates; free 7-day trial
True Credit 3-Bureau

Bottom line: Only monitors TransUnion credit report; unlimited TransUnion scores; free 7-day trial
FreeCreditScore.com

Bottom line: Only monitors Experian report; two updates/mo to your Experian Score; free 7-day trial

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