The Best Credit Monitoring Services for 2015

1. IdentityGuard.com 5stars

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After reviewing over twenty credit monitoring services, we’ve ranked IdentityGuard.com number one on our list. IdentityGuard.com gives you three plan options which are extremely affordable, even for tight budgets. With all of the plans, you receive access to your three credit scores and reports plus daily three bureau monitoring with complete identity theft & credit threat analysis. IdentityGuard will monitor your credit cards, bank accounts, social security number and public records for any signs of unauthorized or fraudulent activity. In the event suspicious activity is detected, you will promptly be alerted via Text, Phone or email. The fast alert times are one of the absolute best features of their monitoring plans. This lets you investigate the activity and take action before it grows into a larger problem. Another nice bonus is their mobile app which you can download to your iPhone or Android smartphone. This gives you the fastest possible access to monitoring alerts, credit scores and other account benefits. IdentityGuard is one of only two services that offer a free, flexible mobile application like this. 

If you do have an incident of identity theft as an IdentityGuard subscriber, you can be eligible for up to 1 million dollars in identity theft coverage and have access to a personal recovery assistant to help contact creditors and get your credit back on track.  Combine this with lost wallet protection, plus top rated computer protection software including password protection, anti virus and keystroke encryption, and you have a complete identity theft solution that is above and beyond what you will find with other services. If you want to seriously start protecting your identity, you can’t go wrong with of the IdentityGuard plans, however their Total Protection® Plan is the best value.  


2. LifeLock.com 4 1/2 stars

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We ranked LifeLock.com a close second behind IdentityGuard due to it’s trusted company history and comprehensive monitoring plan selection. LifeLock utilizes a 5 point protection plan that monitors over one million data points on your three credit bureaus, credit scores, social security number, investment accounts and public records. This is what makes LifeLock one of the most comprehensive monitoring solutions available. The moment you sign up for a LifeLock account, they immediately begin monitoring your identity for threats against your personal information. If threats are detected, you will be alerted quickly via text, email or phone. Again, quick alerting is of the utmost importance. LifeLock gives you the upper hand so you can stop id theft threats before major damage is done. LifeLock also offers LifeLock Jr. which is an add on service that lets you monitor your child’s credit reports. Child identity theft is actually becoming more common that adult identity theft. 

As with IdentityGuard, you receive up to 1 million dollars in identity theft loss insurance, 24/7 customer service and a personal recovery assistant to work with you should your identity be compromised. The only thing we don’t like about the LifeLock service is that you only get access to your 3 bureau credit reports and scores when you sign up for the most expensive, Ultimate Plus plan. Definitely not a deal breaker by any means because LifeLock features 3 levels of monitoring plans which work with all budgets. You can take advantage of a free 30 day trial and 10% off your purchase of any LifeLock protection plan thru January 31st. Click here to start your free 30 day trial and test LifeLock.com services for yourself. 

 


3. IdentityForce.com 

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IdentityForce.com is ranked 3rd on our list. With a 3 level approach to identity theft protection; Monitor, Alert & Control, IdentityForce.com provides the extra set of eyes keeping watch over your identity, privacy and credit. IdentityForce uses innovative monitoring technology which allows them to take a more proactive approach to id theft detection. This broad spectrum coverage encompasses change of address monitoring, court record monitoring, credit report monitoring, identity monitoring, sex offender list monitoring and even payday loan monitoring. If any suspicious activities are detected on these accounts, immediate alerts are sent to your phone or email. All plans include daily 3 bureau credit monitoring, credit score tracker, identity health score, junk mail opt-out and medical id fraud alerting. 

IdentityForce also helps you take full control of your credit, by letting you know who, where and how your personal information is being used at any given time. As with the previous services you can be eligible for up to 1 million dollars in id theft insurance if your identity is stolen and personal credit restoration assistance support. You also receive free anti-phishing and anti-keylogging software to help keep your identity safe while shopping and browsing online. This can proactively protect your usernames, passwords, pin numbers, bank account details and much more. IdentityForce.com is a highly respected company and we were very impressed with the level of monitoring protection and the affordability of their two packages. Right you you can save 17% off both IdentityForce protection plans and you can test their UltraSecure plan free for 14 days. Visit IdentityForce.com to sign up for your 14 day trial and get protected. 


4.ID Cuffs 4 stars

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IDCuffs.com is a relatively company, however they provide a unique approach to monitoring which emphasizes theft prevention over just defensive credit monitoring. IDCuffs.com takes a 4 tiered prevention approach, including bank account security alerts, credit bureau & score monitoring, pre-approved credit card offer elimination, as well as stopping telemarketing phone calls. Because these can be major sources of identity theft, IDCuffs focuses on stopping the crime at the source of the problem. We also like that you get data breach protection and child/college student protection included in the Family Plan. Obviously you also get standard credit bureaus fraud alerts, bank account security alerts and antivirus/spyware protection software with either of their two packages. IDCuff’s proactive monitoring service is slightly more expensive that some of the other options, but is still an excellent value for this level of comprehensive protection. You can try either the indivudual or family plan for 7 days and pay only $19.99/month for the individual monthly subscription.   


5. Protect My ID by Experian 4

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Protect My ID is run by the credit bureau Experian and gives you complete access to your Experian credit reports along with change of address alerting,internet scanning & surveillance alerts and daily credit report monitoring. $1 million identity theft insurance and rapid theft resolution are just part of the Protect My ID service. The biggest benefit of this plan is that you have a monitoring plan with a national credit bureau that’s been in business for nearly 60 years and serves nearly 220 U.S. consumers annually. Stop identity theft in its tracks – start your 7-day trial by purchasing a $1 credit report with enrollment in Protectmyid.com 


6. MyScore.com3 1/2 stars

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Don’t be fooled by the name, MyScore.com is more than just a credit report & credit score service.They also offer an excellent credit/identity monitoring plan with a nice selection of tools that help you manage your credit and finances. Unfortunately you only receive TransUnion credit reports, but their 24/7 credit monitoring includes 3 bureau monitoring, plus standard fraud alerts when changes to your credit reports are detected. A nice bouns with MyScore.com unliminted access to your credit scores and reports. Most other services only offer monthly or quarterly credit report pulls. The monthly fee is a little steep at $29.95, but you can test it out free for 7 days and then decide if you want to continue with a full subscription. Go to MyScore.com to get started with a free 7 day test run.  


7. CreditReport1233 star rating

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CreditReport123.com gives you 3 great services in one package. First, you get instant access to your Experian, Equifax and TransUnion credit scores with quartely access to your credit reports. Second, you receive 3 bureau monitoring and alerts which notify you promptly of any changes or suspicious account activity on your credit reports. Third, you get access to CreditReport123’s own credit analyzer which is a simulation tool that can help you make solid financial decisions and how they will impact your credit rating. This great tool allows you to experiment with transferring account balances, making payments and other financial transactions. A very nice perk to go along with easy credit score access and quality credit alerts. Click here to visit CreditReport123.com and try their service for only $1.00 for 30 days. 

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