The Best Credit Monitoring Services for 2015


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After reviewing over twenty credit monitoring services, we’ve ranked® number one on our list.® 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. 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 on-the-go access to monitoring alerts, credit scores and other account benefits.

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 you get in contact with creditors.  Combine this with lost wallet protection, plus computer protection software including password protection, anti virus and keystroke encryption, and you have credit monitoring service 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.  Click here to visit and set up your free 30 day trial.



We ranked 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 complete 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 services for yourself. 


identityforce is ranked 3rd on our list. With a 3 level approach to identity theft protection; Monitor, Alert & Control, 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. is a highly respected company and we were very impressed with the level of credit 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 to sign up for your 14 day trial and get protected. 



TransUnion is one of the major credit reporting bureaus and also offers quality 3 bureau credit monitoring services.  Their protection plans include public record monitoring, lost wallet protection, credit file change alerts, full credit report access an ID restoration assistance.  You will receive instant email alerts if someone applies for credit in your name plus you receive a personalized debt analysis and credit trend report, so you can keep on top of your spending and credit rating.  Add in a $1 million dollar ID theft insurance plan and this is an excellent credit monitoring option from a trusted company.  You can start your 7 day TransUnion trial monitoring plan for only $1.00. Monthly cost is $17.95 after the trial period.  Visit TransUnion to get started.  

5. Protect My ID by Experian


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 


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Don’t be fooled by the name, 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 bonus with unlimited 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 to get started with a free 7 day test run.  

7. CreditReport123

creditreport123 gives you 3 great services in one package. First, you get instant access to your Experian, Equifax and TransUnion credit scores with quarterly 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 and try their service for only $1.00 for 30 days. 

A Breakdown of Credit Monitoring Services & Choosing The Right One For Your Budget


While the decision of whether or not you need a credit monitoring service can be an easy one, deciding which credit monitoring service to choose can be a little more difficult. There are several options available to consumers, and many of them are only slightly different than the others. When searching for a credit monitoring service, here are a few things you may want to look for.

Frequency of Monitoring: Many credit monitoring companies monitor customers’ credit daily, though some may not monitor it quite that frequently. The frequency with which companies monitor customers’ credit is vital as undetected scammers can do a great deal of damage in a short amount of time.

Sources Included: Credit monitoring services may monitor one, two or three of the major credit reporting bureaus. Some credit monitoring services also monitor customers’ personal accounts, nationwide account information, public record information and illegal black market websites.

Alert Method: Phone, letter and text message alerts are all common. Some companies even offer mobile apps that allow customers to check their information from their mobile phone.

Report Information: Some credit monitoring services may only alert customers when they find suspicious activity; others will send customers their entire credit report at set intervals. Some will only notify customers of new accounts, while others will notify customers about any activity completed in their name, including arrest and medical records.

Insurance: Some companies offer their customers insurance so they can get their money back if they are the victim of identity theft. Others promise to spend a certain amount fixing the problem, but do not guarantee customers will recoup their losses.

Assistance: Some credit monitoring companies will work diligently with their customers and cancel and replace their credit cards and identification cards for them. Other companies will simply notify customers of the problem and then let the customers resolve the credit problem themselves. Customer service hours vary as well.

Cost: The cost of credit monitoring services typically varies from free to around $30, but more expensive options may or may not be worth the extra expense. Consumers should look at a company’s available features before they consider their price.