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
Credit Monitoring and Credit Repair: What’s the Difference?
There’s no denying that credit is your financial lifeblood, as it helps you do everything from signing up for a cell phone plan to buying a house. Since it holds so much importance in our lives, it’s essential for us to take steps to protect our credit. Today there are dozens of options that can […]
6 Identity Theft Lessons 2015 Taught Us
The past year was a big one in the world of identity theft and information security. Millions of Americans saw their information exposed in more than one breach, and most people probably have at least one or two notification letters from various companies to prove it. Between all of the data breach notifications and years […]
Should I Put a Credit Freeze on My Credit Reports?
This is a question that many people find themselves asking, especially with so many security breaches exposing millions upon millions of Americans’ vital information over the past year or so. The simple answer? Yes, as a recent report published by the consumer advocacy group U.S. Public Interest Research Group (USPIRG) found the best chance you […]
Watch Out for Zombie Debt Collection Scams
Anyone who’s ever had a bill or credit card go into default knows how annoying debt collectors can be. The unfortunate reality of today’s financial landscape makes it so any debt you have can be passed on to collection agencies, which often sell debts to other collection agencies. This can make it impossible for people […]
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.