Credit Report Monitoring

Updated 04-21-2015

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; 25% discount & $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
Equifax Complete Premier Rating:stars
Complete 3-bureau monitoring, unlimited Equifax credit score updates; no-commitment month-to-month plans for individuals and families
myFICO Rating:stars
3-bureau monitoring; score updates anytime a change is reported to a bureau; no free trial; more expensive than comparable services
Credit Karma Rating:stars
Provides Equifax and TransUnion credit scores, credit reports and daily credit monitoring for free, but uses your personal information to sell you credit card offers
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

NextAdvisor.com Gets First Look at the Updated Chase Slate
Apr 6, 2015 - NextAdvisor.com was present at Chase?s New York headquarters last week when the company officially unveiled updates to its Slate card. Generally considered one of the best balance transfer credit cards currently available, Chase redesigned the look of the Slate card and added a couple of features...

Bad or No Credit History? FICO has a New Score for You
Apr 3, 2015 - Millions of Americans will have an easier way of proving their creditworthiness in the coming months thanks to a new credit score being developed by Fair Isaac Corporation, better known as FICO, which will factor in alternative data. The new formulation has been in the works for more than two yea...

FreeScoresAndMore vs. Identity Guard: Which Service is Best?
Mar 26, 2015 - Your credit scores are the life force of your financial health. They determine whether you?ll be approved for important things, like a home loan, a credit card and nearly everything else. Not only do your credit scores dictate whether you?ll get approved, but they also determine what kind of inte...

3 Things People with Bad Credit Need to Know
Mar 25, 2015 - It's not the end of the world if you have bad credit. Actually, millions of Americans have credit that's rated below average. While it's not something you might be proud of, it's important to know that there are some ways to make it better. If you have less-than-perfect credit, here are three thi...

Big Changes Coming to Your Credit Reports: What You Need to Know
Mar 9, 2015 - Your credit reports are going through a major overhaul, and it?s one that will help consumers. Considered by some to be the broadest industry overhaul in more than decade, the three major credit bureaus ? Equifax, Experian and TransUnion ? agreed this week to be more proactive in credit card disp...

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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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.