Credit Report Monitoring

Updated 10-16-2014

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; 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; $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
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

3 Ways to Improve Your Credit Scores
Oct 16, 2014 - Improving your credit scores can bring about a lot of benefits. From lower interest rates to more credit card options that offer generous rewards, your credit scores play a major factor in determining your financial health. Here are some tips on how you can successfully improve your scores: 1. Mo...

3 Ways Millennials Can Successfully Save Money
Sep 10, 2014 - How much do young adults actually know about their credit score and saving money? The results of a recent study conducted by the Consumer Federation of America show that Millennials know less about their credit score than older adults, but that doesn?t mean young Americans can?t take steps to imp...

5 Things You Won't Believe Hurt Your Credit Score
Sep 2, 2014 - Deciphering your credit score can be difficult, especially if you don't know all the ways you can be hurting it. Your credit is not only attached to your credit card use, but with many everyday financial activities. Here are five things that can hurt your credit, and ways to prevent them from hap...

5 Things Excellent Credit Can Do for You
Aug 26, 2014 - Have you ever thought of how an excellent credit score may impact your life? It's no secret that there are a number of benefits to having a high score. Simply put, it can affect many of your current and future financial decisions. If your credit is excellent, for instance, you have a better chanc...

Community Health Systems Breached: 4.5 Million Exposed
Aug 18, 2014 - Cyberattacks are becoming all too common these days. It seems you can't watch the news without hearing of some major breach. The most recent victim of this crime is Community Health Systems, one of the largest hospital networks in the United States. Community Health Systems said its computer netw...

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.