Credit Monitoring Credit Monitoring Reviews & Prices

There are a lot of ways to get your credit scores and credit reports and a lot of credit report monitoring services out there. The reality is that most of them are the same services repackaged by different companies. NextAdvisor.com's editors have researched and tried all of them. We've created the below comparison and reviews for only the services that we have found offer the best features and information at the best price. We selected these credit report monitoring services because each of them offers something valuable at a better price than you can find elsewhere. All of our recommended services provide email alerts within 24 hours of a change to your credit report and are run by large, reputable companies. Looking for free scores? Just sign up for one of the services with a free trial and cancel before the trial period ends. Have more questions about credit reports, credit scores or credit report monitoring? Visit our FAQ.

Updated 11-20-2017

Credit Monitoring Comparison Chart

Product NameBottom LineCredit ScoresCredit ReportsTrial Period & PriceCredit MonitoringRating
Identity Guard® Most comprehensive & best overall service we have reviewed; All 3 credit scores free; $3 discount & free 30-day trial Free scores based on data from Equifax, Experian & TransUnionReports from all 3 bureaus Free 30-day trial; $16.99/mo individual, $22.99/mo couple, $24.99/mo family (after our $3 discount)All 3 bureaus
FreeScoresAndMore All 3 credit scores free; monthly credit updates plus other benefits; 25% discount & free 30-day trial Free scores from Equifax, Experian & TransUnionReports from all 3 bureausFree 30-day trial; $14.99/mo (after our 25% discount)All 3 bureaus
PrivacyGuard 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 Scores from Equifax, Experian & TransUnionReports from all 3 bureaus$1 30-day trial; $14.99/mo (after our 25% discount)All 3 bureaus
Experian IdentityWorks Daily updated Experian credit scores, plus quarterly 3-bureau reports and scores; excellent identity theft protection and credit monitoring; 30-day free trial (monthly) or 2 months free (annual membership) Free scores from Equifax, Experian & TransUnionReports from all 3 bureaus2 months free & $19.99/mo (w/annual prepay) or 30-day free trial & $19.99/mo (w/monthly plan) All 3 bureaus
LifeLock Ultimate Plus&#174 All 3 credit scores, excellent ID protection; 10% discount for the first year Credit scores from Equifax, Experian & TransUnionReports from all 3 bureaus$24.74/mo* (w/annual prepay after our 10% discount for the first year)All 3 bureaus
Product NameBottom LineCredit ScoresCredit ReportsTrial Period & PriceCredit MonitoringRating
myFICO Ultimate 3B Credit Monitoring 3-bureau monitoring and real FICO scores; FICO score updates anytime a change is detected at a bureau; no free trial; more expensive than comparable services FICO scores based on data from Equifax, Experian & TransUnionReports from all 3 bureaus $27.42/mo (paid annually); No free trialAll 3 bureaus
Credit Karma 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 Free Equifax and TransUnion scoresEquifax and TransUnion reportsFreeEquifax and TransUnion monitoring
TransUnion Credit Monitoring 3-bureau monitoring, unlimited TransUnion scores Free TransUnion scoreTransUnion report$19.95/moAll 3 bureaus

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