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.
Credit Monitoring Reviews & RatingsView Full Comparison Chart
NextAdvisor Credit Monitoring Blog Headlines
Federal Student Loans: What Students and Their Families Need to Know
It’s that time of year when prospective college students and their families are facing the future and making decisions about where to attend school. One of the biggest factors for students and their families to take into consideration is how to pay for college. There’s no denying that post-secondary education in the U.S. is expensive, […]
4 Personal Finance Lessons to Teach Your Children
Having a solid grasp of money and credit is necessary for any responsible and financially-literate person. Unfortunately, though, it’s one of the least taught aspects of life for children and adolescents, and as a consequence, many young adults must learn about money and credit the hard way. Last year, we discovered that 37% of millennials […]
Will Bankruptcy Prevent You from Getting a Credit Card?
Bankruptcy is simultaneously financially liberating and debilitating, as it enables you to get out from under the weight of your debts while also putting a black mark on your credit that can remain for up to a decade. No matter whether you are just in the first stages of filing for bankruptcy or yours was […]
Common Myths About Building and Managing Your Credit
For those trying to get a handle on their credit, or for those just learning about credit, it can be hard to understand what credit is and how it works. This task is made even more difficult by persistent myths and falsehoods that tend to be perpetuated about credit. That’s why we’ve decided to separate […]
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.
Compare all credit monitoring services.
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.
View all credit monitoring services.
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.