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 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.
The LifeLock service is a top pick because of its comprehensive monitoring solutions. LifeLock features a five point plan that monitors your credit score, credit report and your identity for threats or unauthorized account activity. If any threats or changes are discovered, you will receive an immediate alert so you can investigate and take action. The addition of LifeLock Junior, which monitors your children’s credit reports for fraud, makes this service the best option for full identity theft monitoring. It takes only a few minutes to sign up. Sign Up Now to Get 15% Off All LifeLock Services Through December 31st —- Click Here
IdentityGuard is another top pick because of its combination of excellent monitoring price & features. 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. The Identity Guard plan is free for 30 days & $14.99 monthly for a full plan subscription.
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. You can try Privacy Guard for $1.00 for the first month & $14.99/month once the trial period expires.
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. Click here to sign up for a free 14 Day ID Theft Trial @ Trusted ID.
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.Click here to Try CreditReport123 for $3.00 for 30 days and $14.99/month for a full membership.
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.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. Equifax Credit Watch Gold 3 in 1
The Equifax Credit Watch Gold 3 in 1 credit monitoring gives you total control of your Equifax credit reports as well as up to one million dollars in ID fraud insurance should your ID be stolen while on their plan (0 deductible certain exclusions & limitations apply). 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. The only downside is there is no free trial with the comprehensive 3 in 1 plan, but it’s a solid service from a trusted name.Get more details & Apply Now!.
The ProtectMyID credit monitoring services are operated through the Experian reporting agency. Their plans provide quality debit & credit card monitoring as well as personal fraud insurance up to $1 million dollars should your identity be stolen while signed up with their program. This is a trusted service from one of the top 3 credit reporting agencies in the country. You can sign up free for 7 days and pay $15.95 /month for a full membership.Click on the banner for details and to sign up.
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.The free trial is 7 days and there are 3 monthly plans you can choose from if you’d like to gain full membership.
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.Visit CreditKarma.com for more information.
Total Ratings based on 461 ratings.