Credit Report Monitoring

Updated 09-01-2015

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
Experian Credit Tracker Rating:stars
Monitors Experian credit report and score only; $1 7-day trial with enrollment; lacks triple-bureau credit report monitoring
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

NextAdvisor Credit Report Monitoring Blog Headlines

Which Credit Cards Offer Free Credit Scores?
Sep 1, 2015 - Choosing a new credit card can be an undertaking, especially as you weigh the potential benefits offered against each other. While many people focus on credit cards that offer rewards in the form of cash back, travel miles or points to redeem for cash or goods, one benefit you might not realize y...

OPM Providing CSID Protector Plus to Breach Victims: How Does It Measure Up?
Jul 24, 2015 - The hallmark of a large-scale data breach is the offering of free credit monitoring and identity theft protection from the breached company to its exposed customers. While retailers like Home Depot and Target have gone with services such as AllClear ID and ProtectMyID, the Office of Personnel Man...

How Can I Build Credit if I Don't Have Any?
Jun 22, 2015 - While it's assumed most people without credit are young adults, the truth of the matter is many Americans don't have an established credit history. According to a recent Wall Street Journal article, a whopping 53 million Americans don't have credit scores. What can cause this? Maybe you have chos...

What to Do if You Lose Your Wallet
May 26, 2015 - Many people count their wallet among their most prized possessions, and it's no wonder — we store everything from our photo IDs and credit cards to loyalty cards and money in there. Nothing is quite as awful as realizing you've lost your wallet, especially if you're not sure what to do when that ...

3 Things You Need to Know Before Applying for a Credit Card
Apr 28, 2015 - Updated: June 30, 2015 Getting a new credit card can be beneficial, especially if you're trying to pay down debt without incurring interest charges or you want to earn miles so you can plan a vacation. However, before you apply for a new credit card, it's important to look at a few factors to det...

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.