The Best Ranked Credit Monitoring Services 2014

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Credit 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 the best credit monitoring service you can afford that has the features you need. 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 MonitoringIdentity Theft Loss Insurance
3 Bureau Credit ReportPersonal Recovery Assistance
Credit ScoresAll 3 ScoresID Verification Alerts
Credit Score Updates3 Scores‚ QuarterlyLost Wallet Protection
3-Bureau Credit AnalyzerPublic Record Report
SSN Number MonitoringKeystroke Encryption Software
Computer Protection SoftwareFree No Risk 30 Day Trial

 

CategoryLeadershipWe’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.If you are serious about protecting your identity from malicious threats, we strongly recommend you sign up for the ID Guard Free trial and try it for yourself.   orangearrow[1]The Identity Guard plan is free for 30 days & $16.99 monthly for a full plan subscription. — Click Here to Get Started


2. LifeLock.com 

lifelock300x250

3 Bureau Credit MonitoringIdentity Theft Loss Insurance
3 Bureau Credit ReportPersonal Recovery Assistance
Credit ScoresTransUnion OnlyID Verification Alerts
Credit Score Updates1 Score ‚ MonthlyLost Wallet Protection
Change of Address AlertsPublic Record Report
SSN Number MonitoringKeystroke 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]Sign up for LifeLock Ultimate Plus today and get your first 30 days FREE and save 10% through October 31st — Click Here


3.ID Cuffs 4 stars

idcuffs

3 Bureau Credit MonitoringIdentity Theft Loss Insurance
3 Bureau Credit ReportPersonal Recovery Assistance
Credit ScoresAll 3 ScoresID Verification Alerts
Credit Score Updates3 Scores ‚ AnnuallyLost Wallet Protection
Child Identity Protection Bank Account Security Alerts
SSN Number MonitoringAntivirus & Spyware Protection
Computer Protection SoftwareID Vault Password Protection Software 

 

ID Cuffs is a new company that provides a unique monitoring service, which emphasizes identity theft prevention over just standard monitoring.  ID Cuffs uses four key prevention tactics including credit bureau fraud alerts, bank account security alerts, eliminating “Pre-Approved” credit & insurance offers and stopping telemarketing phone calls. Also included is child & student identity protection and data breach protection for an additional layer of security.  They monitor various points of data in private & public databases which aren’t included on your credit history report. ID Cuffs provides an excellent set of tools to help minimize the likelihood of credit fraud & identity theft by targeting the source of these crimes.  This inclusive service is a great value and you can choose from two monthly plans. orangearrow[1]Click here to  sign up for a $1.99 /  7 day trial.  The monthly membership plan is only $19.99/month or $29.99/month for families.  Click Here to Enroll.


4. CreditReport123 4 star rating

creditreport123

3 Bureau Credit MonitoringIdentity Theft Loss Insurance
3 Bureau Credit ReportPersonal Recovery Assistance 
Credit ScoresAll 3 ScoresID Verification Alerts
Credit Score Updates3 Scores ‚ QuarterlyLost Wallet Protection
Credit AnalyzerPublic Record Report 
SSN Number MonitoringKeystroke 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 $1.00 for 30 days and $18.99/month for a full membership.


5. IdentityLookout 3 stars

idlookout

3 Bureau Credit MonitoringIdentity Theft Loss Insurance
3 Bureau Credit ReportPersonal Recovery Assistance
Credit ScoresExperian OnlyID Verification Alerts
Credit Score Updates1 Score ‚ QuarterlyLost Wallet Protection 
Credit Analyzer Credit, Debit & ATM Card Protection
SSN Number MonitoringKeystroke 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.


6. TransUnion Credit Monitoring 3half

tu2

3 Bureau Credit MonitoringIdentity Theft Loss Insurance
3 Bureau Credit ReportPersonal Recovery Assistance
Credit ScoresTransUnion OnlyID Verification Alerts
Credit Score Updates1 Score ‚ UnlimitedLost Wallet Protection 
Personalized Debt Analysis Credit, Debit & ATM Card Protection
SSN Number MonitoringAutomatic 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


7. MyScore.com 4 stars

myscore banner

3 Bureau Credit Monitoring Identity Theft Loss Insurance 
3 Bureau Credit ReportPersonal Recovery Assistance 
Credit ScoresAll 3 BureausID Verification Alerts
Credit Score Updates3 Scores ‚ Unlimited AccessLost 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.


8. Credit Sesame  3half

Credit Sesame Monitoring Banner

3 Bureau Credit Monitoring 1 Bureau OnlyIdentity Theft Loss Insurance 
3 Bureau Credit Report1 Bureau OnlyPersonal Recovery Assistance 
Credit ScoresExperian OnlyID Verification Alerts 
Credit Score Updates1 Score ‚ MonthlyLost Wallet Protection 
Online Debt Analysis Credit, Debit & ATM Card Protection
SSN Number MonitoringAutomatic 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 


9. CreditKarma.com 3 stars

ckarma

3 Bureau Credit Monitoring 1 Bureau OnlyIdentity Theft Loss Insurance 
3 Bureau Credit Report1 Bureau OnlyPersonal Recovery Assistance 
Credit ScoresTransUnion OnlyID Verification Alerts 
Credit Score Updates1 Score ‚ MonthlyLost Wallet Protection 
Credit Report Card Credit Score Simulator
SSN Number MonitoringAutomatic 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 4.3 out of 5 based on 1338 ratings.