Top 10 Credit Monitoring Services 2014

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top10Credit fraud & identity theft is extremely serious and unfortunately the amount of reported cases is increasing annually. It’s important to take steps to secure your personal information and to keep tabs of your credit history to ensure there have not been unauthorized accounts opened in your name, or fraudulent use of your credit. One of the best security measures you can take is to sign up for some level of monthly credit monitoring. Knowing that you will be alerted if there are any major changes or discrepancies on your credit report gives you a huge advantage in being able to stop the identity thieves before they do even more damage to your credit. There are dozens of available monitoring companies and services, but we put together a list of what we feel are the best credit monitoring services on the market today. Each one has slight differences in the coverage and features they provide and the monthly fee varies based on the plan level you choose. We suggest you compare 2 or 3 plans that have the features you want and choose the one with the price that best fits your budget.


1. IdentityGuard.com 

identity guard banner

3 Bureau Credit Monitoring Identity Theft Loss Insurance
3 Bureau Credit Report Personal Recovery Assistance
Credit Scores All 3 Scores ID Verification Alerts
Credit Score Updates 3 Scores‚ Quarterly Lost Wallet Protection
3-Bureau Credit Analyzer Public Record Report
SSN Number Monitoring Keystroke Encryption Software
Computer Protection Software ID Vault Password Protection Software

 

We’ve reviewed a lot of monitoring services and IdentityGuard is the best in class identity & credit monitoring service hands down..  If you want a superior monitoring service, but need a cheaper solution than the LifeLock plans, IdentityGuard is your top choice. You get access to all 3 of your credit scores plus credit reports with complete analysis of possible identity & credit threats.  Receive immediate email alerting and Identity Guard’s “Lost Wallet Protection”, which gives $1 million in identity theft coverage (no deductible), as well as 24/7 award winning customer support and you have an excellent monitoring service at an affordable price.  orangearrow[1]The Identity Guard plan is free for 30 days & $14.99 monthly for a full plan subscription. — Click Here


2. LifeLock.com 

LifeLock Banner

3 Bureau Credit Monitoring Identity Theft Loss Insurance
3 Bureau Credit Report Personal Recovery Assistance
Credit Scores TransUnion Only ID Verification Alerts
Credit Score Updates 1 Score ‚ Monthly Lost Wallet Protection
Change of Address Alerts Public Record Report
SSN Number Monitoring Keystroke Encryption Software
Computer Protection Software ID Vault Password Protection Software

 

LifeLock is our next top pick, because of its combination of superior monitoring, price & features  Their comprehensive service features a five point plan that monitors your credit score, credit report and your identity for threats and unauthorized account activity.  When threats are discovered, LifeLock sends you and immediate alert via text, email or phone, so you can investigate and take prompt action.  With the addition of LifeLock Junior, you can also monitor your children’s credit reports for fraud.  We know that this service is slightly more expensive than some of the other monitoring plans available, but we give LifeLock high marks for service, value and customer service.  You won’t go wrong with this plan for full identity theft monitoring coverage hands down.    orangearrow[1]Right Now You Can Get a 30-Day Free Trial + 10% Off Your Final Purchase of LifeLock ULTIMATE. Expires March 31st — Click Here


3. CreditReport123 4 star rating

creditreport123

3 Bureau Credit Monitoring Identity Theft Loss Insurance
3 Bureau Credit Report Personal Recovery Assistance
Credit Scores All 3 Scores ID Verification Alerts
Credit Score Updates 3 Scores ‚ Quarterly Lost Wallet Protection
Credit Analyzer Public Record Report
SSN Number Monitoring Keystroke Encryption Software
Computer Protection Software ID Vault Password Protection Software

 

With CreditReport123 it only takes three easy steps to receive quick access to your experian, equifax & TransUnion credit reports and credit scores.  Their service comes with total credit monitoring plus alerts to notify you of major changes to your credit reports including, newly opened lines of credit and submitted credit applications.  Use their Credit Analysis tool to simulate the effects of your financial choices on your credit score.orangearrow[1]Click here to Try CreditReport123 for $3.00 for 30 days and $17.99/month for a full membership.


4.TrustedID 4 stars

Trusted ID Banner

3 Bureau Credit Monitoring Identity Theft Loss Insurance
3 Bureau Credit Report Personal Recovery Assistance
Credit Scores All 3 Scores ID Verification Alerts
Credit Score Updates 3 Scores ‚ Annually Lost Wallet Protection
Personal Threat Scores   Public Record Report
SSN Number Monitoring Keystroke Encryption Software
Computer Protection Software ID Vault Password Protection Software

 

TrustedID is another quality monitoring service which provides you with a unique, personalized Threat Score, which is a simple way for you to see your potential risk for credit & identity theft.  They monitor various points of data in private & public databases which aren’t included on your credit history report. Additionally, you have access unlimited Black Market Internet Scanning and monitoring of all 3 credit bureaus.  This inclusive service is a great value and there are multiple service levels to fit all budgets. orangearrow[1]Click here to  sign up for a free 14 Day ID Theft Trial @ Trusted ID.


5. PrivacyGuard.com 4 stars

PrivacyGuard Banner

3 Bureau Credit Monitoring Identity Theft Loss Insurance
3 Bureau Credit Report Personal Recovery Assistance
Credit Scores All 3 Scores ID Verification Alerts
Credit Score Updates 1 Score ‚ Monthly Lost Wallet Protection
Change of Address Alerts Public Record Report
SSN Number Monitoring Keystroke Encryption Software
Computer Protection Software ID Vault Password Protection Software

 

PrivacyGuard.com monitoring plans feature an all-inclusive credit/ID theft monitoring solution.  You receive daily fraud protection and monitoring alerts if any mistakes or unauthorized activity is discovered.  Privacy Guard will help you keep your credit secure with daily report monitoring at the three major credit reporting agencies.  You also get access to your personal account dashboard where you can keep tabs of your credit scores.  orangearrow[1]You can try Privacy Guard for $1.00 for the first month & $14.99/month once the trial period expires.


6. IdentityLookout 3 stars

idlookout

3 Bureau Credit Monitoring Identity Theft Loss Insurance
3 Bureau Credit Report Personal Recovery Assistance
Credit Scores Experian Only ID Verification Alerts
Credit Score Updates 1 Score ‚ Quarterly Lost Wallet Protection
Credit Analyzer Credit, Debit & ATM Card Protection
SSN Number Monitoring Keystroke Encryption Software
Computer Protection Software ID Vault Password Protection Software

 

Identity Lookout is on par with the CreditReport123 service.  They offer a $1,000,000 dollar ID theft guarantee plus you can add multiple family members to your monitoring plan for additional safety.  You get daily three bureau credit monitoring, access to your Experian credit report with their fraud protection plan.orangearrow[1]You can test Identity Lookout  $1.00 for the 7 day trial, and only $9.95 a month once the trial is over.  A top rated value plan.


7. TransUnion Credit Monitoring 3half

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3 Bureau Credit Monitoring Identity Theft Loss Insurance
3 Bureau Credit Report Personal Recovery Assistance
Credit Scores TransUnion Only ID Verification Alerts
Credit Score Updates 1 Score ‚ Unlimited Lost Wallet Protection
Personalized Debt Analysis   Credit, Debit & ATM Card Protection
SSN Number Monitoring Automatic Fraud Alerts
Computer Protection Software ID Vault Password Protection Software

 

The Official TransUnion credit monitoring gives you total control of your TU credit reports as well as up to one million dollars in ID fraud insurance should your ID be stolen while on their plan.  You get peace of mind knowing you have a monitoring plan with a national credit bureau, plus with Automatic Fraud Alerts, you receive notification of any major changes to your three credit reports free of charge.   but it’s a solid service from a trusted name.orangearrow[1]Sign Up for a Free 7 Trial & Get You Credit Score for Free Instantly. TransUnion Credit Monitoring


8. MyScore.com 4 stars

myscore banner

3 Bureau Credit Monitoring   Identity Theft Loss Insurance
3 Bureau Credit Report Personal Recovery Assistance
Credit Scores All 3 Bureaus ID Verification Alerts
Credit Score Updates 3 Scores ‚ Unlimited Access Lost Wallet Protection
Online Debt Analysis Credit, Debit & ATM Card Protection
SSN Number Monitoring Automatic Fraud Alerts
Computer Protection Software ID Vault Password Protection Software

 

MyScore.com  is not just a credit score & report service.  Their credit reporting and monthly monitoring plans give you invaluable tools to keep track of your financial profile. Credit report information is provided by TransUnion, however your credit monitoring will include all three credit bureaus for additional fraud protection with email alerts when changes are detected.  You also receive unlimited access to your credit history and credit score.orangearrow[1]The free trial is 7 days and there are 3 monthly plans you can choose from if you’d like to gain full membership.


9. Credit Sesame  3half

Credit Sesame Monitoring Banner

3 Bureau Credit Monitoring  1 Bureau Only Identity Theft Loss Insurance
3 Bureau Credit Report 1 Bureau Only Personal Recovery Assistance
Credit Scores Experian Only ID Verification Alerts
Credit Score Updates 1 Score ‚ Monthly Lost Wallet Protection
Online Debt Analysis   Credit, Debit & ATM Card Protection
SSN Number Monitoring Automatic Fraud Alerts
Computer Protection Software ID Vault Password Protection Software

 

We’ve included the free service from Credit Sesame as an option for those of you who are looking to get a very basic monitoring plan in place without having to pay a monthly service fee.  Credit Sesame offers 1 bureau credit monitoring and reports and has a host of online tools to help you manage your finances.  You’ll receive basic alerts if any changes are detected to your Experian credit report only.  A good option for those with a limited budget. .orangearrow[1]Sign Up for a Free Credit Sesame Account Here.  No Credit Card Required. Click Here 


10. CreditKarma.com 3 stars

ckarma

3 Bureau Credit Monitoring  1 Bureau Only Identity Theft Loss Insurance
3 Bureau Credit Report 1 Bureau Only Personal Recovery Assistance
Credit Scores TransUnion Only ID Verification Alerts
Credit Score Updates 1 Score ‚ Monthly Lost Wallet Protection
Credit Report Card   Credit Score Simulator
SSN Number Monitoring Automatic Fraud Alerts
Computer Protection Software ID Vault Password Protection Software

 

CreditKarma.com features a free credit monitoring solution as well as a free TransUnion credit report summary for no charge.  Credit Karma’s monitoring & alert plan is not as comprehensive as some of the paid services we’ve featured in this list, but it’s a solid option if you’re on a budget or just want a basic monitoring option.orangearrow[1]Visit CreditKarma.com for more information.

4half Total Ratings 4.6 out of 5 based on 1012 ratings.