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
Can Being Evicted Hurt Your Credit?
Being evicted is one of the most stressful experiences that can happen to someone who rents their home. Although the stress of having to quickly find new, affordable housing can be hard to deal with, what if there was more at stake? As difficult as it is to deal with when it happens, can its […]
Can I Decline a Credit Card if I Change My Mind?
Applying for a new credit card is an exciting and somewhat nerve-racking experience. Whether you’re hoping to be approved for a balance transfer credit card so you can take advantage of a 0% intro APR offer or you want a new rewards credit card to begin racking up cash back or other benefits, you might […]
Tax Scam Hits Government Contractor: What You Can Learn from It
As the deadline to file taxes draws nearer, the scammers and identity thieves who thrive on stolen tax returns this time of year are ramping up their schemes. Nobody is exempt from falling for a tax scam, not even cybersecurity professionals, as shown by evidence that Virginia company Defense Point Security, LLC (DefPoint) recently fell […]
What Can You Do if Your Credit Dispute is Rejected?
With credit report errors being a somewhat common occurrence, it might not come as a surprise that one day you may have to file a dispute to remove inaccuracies from your reports. What might come as a shock, though, is that sometimes credit report disputes can be rejected, even if the information in dispute is […]
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.