We no longer review this credit monitoring service, but that doesn't mean there isn't another service that will fit your budget and needs. Check out our reviews of the best credit monitoring services below to find the perfect option for you.

Updated 02-05-2018

Credit MonitoringCredit Monitoring

Your credit reports and credit scores determine whether you can get a home loan, an apartment, a credit card, a cell phone and much more. Yet most people don't even know their credit scores, or that they have more than one credit report. Considering a 2013 FTC study found that one in five people had errors on at least one of their three credit reports that could affect their scores, checking your credit reports and scores is essential. You can get your credit scores and see your credit reports by trying out any of our top-rated credit monitoring services, many of which offer free trials or money-back guarantees. 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 alert through email or text when a change occurs. Want to find out more? See our full credit monitoring comparison chart.

Credit Monitoring Reviews & Ratings

View Full Comparison Chart
Products: Our Ratings: Bottom Line:
Identity Guard® Rating: stars
Most comprehensive & best overall service we have reviewed; All 3 credit scores free; $3 discount & free 30-day trial
FreeScoresAndMore Rating: stars
All 3 credit scores free; monthly credit updates plus other benefits; 25% discount & 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; 25% discount & $1 30-day trial
Experian IdentityWorks Rating: stars
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)
LifeLock Ultimate Plus® Rating: stars
All 3 credit scores, excellent ID protection; 10% discount for the first year
myFICO Ultimate 3B Credit Monitoring Rating: stars
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
Credit Karma Rating: stars
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
TransUnion Credit Monitoring Rating: stars
3-bureau monitoring, unlimited TransUnion scores

NextAdvisor Credit Monitoring Blog Headlines

Identity Theft 101: Employment and Benefits Identity Theft
Savvy consumers likely understand the severity of the most common kinds of identity theft, like credit account abuse and even tax identity theft. However, simply because these are the most discussed and recognized types of identity theft, doesn’t mean that other types aren’t just as severe. Employment identity theft and government benefits identity theft are […]

Identity Theft 101: What is Tax Identity Theft?
We’ve talked about identity theft on this blog a great deal of times; however, since not all identity theft is the same, we’ve decided to start a series taking a detailed look at different types of identity theft and their effects. Considering this week is both the beginning of the 2018 tax season and Tax […]

Can You Be Financially Cautious and Still Use a Credit Card?
Being financially cautious is generally a good thing. You may gain a reputation as a penny-pincher, but you’ll save yourself from the cycle of debt. Some people, though, take their caution to an extreme and completely swear off credit cards, thinking the best way to use credit cards is to stay away from them completely. […]

Is It Possible to Get Free Credit Scores?
By now, most consumers likely understand the importance of regularly viewing copies of all three of their credit reports at least once a year. Some might also realize the importance of checking their credit reports in other circumstances, like after they get turned down for new credit or suffer from identity theft. However, knowledge about […]

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 or money-back guarantees, so you can try them out and make sure they're right for you. These trials include free, instant access to your credit scores, score explanations, copies of your credit reports, 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. Knowing what's happening on your credit reports means you'll be able to spot potential fraud or identity theft, as well as note any significant factors which are bringing your credit scores down. 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 provide you with free credit scores and copies of your credit reports, plus explanations of what factors are helping or hurting your creditworthiness to further educate you on your financial health.
View all credit monitoring services.

Free Trials

Most of our highly recommended credit monitoring services offer free trials or money-back guarantees, which include free access to your credit scores and copies of your credit reports. 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 and reports are yours to keep for free.

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