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
What is Credit Monitoring and How Can It Help Me?
Staying up-to-date on your credit reports and scores is extremely important, as your credit standing helps determine things like whether or not you qualify for an apartment, a mortgage, a new credit card and more. But many people don’t know exactly how to check their credit reports or how to receive updates whenever changes are […]
What are Derogatory Items and How Do They Affect Your Credit?
Credit reports are essentially the report cards of your financial life and, like report cards, credit reports have a grading rubric that must be thoroughly understood to read them properly. Many people are familiar with credit scores and even credit ratings like fair and excellent, but they may not know what derogatory items like collections […]
Best Credit Repair Services for Couples
Credit and your love life are more connected than you may realize, and couples with credit troubles could be headed for disaster if they don’t get things straightened out. If your credit is a mess, whether due to identity theft or other circumstances, there are a number of things you can do to help clean […]
What is Collections and How Does It Affect My Credit?
Credit report blemishes are a big problem for Americans. While the types of derogatory items on your credit reports can differ — and some may be errors — one thing you may spot on your credit reports is a collection account. According to the Consumer Financial Protection Bureau, over 70 million American consumers — that’s […]
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.