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 monitoring comparison.
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NextAdvisor Credit Monitoring Blog Headlines
Familiar Fraud: When Your Identity is Stolen By Someone You Know
Identity theft can be a disheartening experience, and the idea of a stranger desecrating your good name is an awful thought for most people. But how much worse would it feel if the perpetrator was someone you knew and trusted? We tend to think of identity thieves as elite foreign hackers or dark web peddlers, […]
Best Secured Credit Cards for Rebuilding Your Credit
Whether you have poor credit or no credit, there are still opportunities for you to work toward improving your credit scores. Despite what you might believe, there are cards called secured credit cards that are specifically designed to help people build or rebuild their credit. Below we discuss how these cards work and detail some […]
For-Profit Colleges: Are You Being Ripped Off?
For-profit college ITT Technical Institute (ITT Tech) has been making headlines over the past month after it shut down and subsequently filed for bankruptcy. This shutdown came after the U.S. Department of Education ruled that ITT Tech could no longer admit students who depended on federal financial aid, a decision that hit the for-profit institution […]
What Consumers Need to Know About the Fair Credit Reporting Act
While you might have heard that there are laws to protect consumers’ credit, you may not be sure exactly what these laws are and how they protect you. The Fair Credit Reporting Act, or FCRA, is a federal law that “promotes the accuracy, fairness, and privacy of information in the files of consumer reporting agencies,” […]
Which Credit Monitoring Service is Best?
The best credit 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.
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How Does Credit Monitoring Really Work?
Credit 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.
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Most of our highly recommended credit 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.