There are a lot of credit history and credit monitoring services out there. We tested them all out and reviewed them so that you can find the services you need and get the value you want. All of our recommended credit monitoring services feature around the clock identity monitoring with credit alerts within 24 hours of any changes to your credit history. If you are just looking to see your credit history and score for free, opt for a service with a free trial and cancel before the trial period is over. If you have any general questions or want more information about credit history, scores, and monitoring,
True Credit Review:
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True Credit provides 3 bureau credit monitoring. The service starts off with credit history and credit scores based on data from the three credit reporting bureaus so that you can see all what information is in all your credit history and know your credit scores.
True Credit will monitor all three of your credit history and alert you within one business day if there are certain key changes in any of them. You can customize the notification to your liking with wireless, text, or email alerts. With these notifications, you can identity mistakes and errors early on, as well as spot fraudulent activity that could signal an attempt of identity theft. Following up on any changes that you did not initiate yourself can save you time and money in the long run by avoiding any negative credit effects or the costly process of identity recovery. True Credit goes far beyond other credit monitoring services by monitoring public records, social security numbers, and black market sales of your personal information. True Credit also includes anti-keylogging software, help with cancelling youre credit cards if you lose your wallet, and personal ID risk assessment history.
True Credit offers a great value for a monitoring service that will watch over all three credit files, with a reasonable $14.95 cost a month after a generous 7 day free trial.
Equifax Review:
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Equifax offer their Equifax 3-in-1 Monitoring with Credit Scores. The service starts off with a free 3-in-1 credit history so that you can see what is contained in your credit file with all three credit history agencies as well as unlimited access to your Equifax credit history.
Equifax 3-in-1 Monitoring with Credit Scores will monitor all three of your credit history and alert you within 24 hours if there are any key changes in any of them. You can customize the notification to your liking with wireless, text, or email alerts. With these notifications, you can identity mistakes and errors early on, as well as spot fraudulent activity that could signal an attempt of identity theft. Following up on any changes that you did not initiate yourself can save you time and money in the long run by avoiding any negative credit effects or the costly process of identity recovery. The service is backed by a $20,000 identity theft insurance that has zero deductible; this insurance is included at no extra charge.
Equifax 3-in-1 Monitoring with Credit Scores offers a good value for a monitoring service that will watch over all three credit files.
TransUnion Review:
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TransUnion provides 3 bureau credit monitoring service which starts off with free credit history and free credit scores from all 3 credit bureaus so that you can see all what information is in all your credit history and know your credit scores. Updates to all three credit history and scores are done every 30 days.
TransUnion will monitor all three of your credit history and alert you within 24 hours if there are any key changes in any of them. With these alerts, you can identity any inaccuracies or signs of fraud early on and correct them before they can hurt you credit history. This TransUnion service allows you to lock or unlock your TransUnion credit file with a simple one-click process. TransUnion also includes a $25,000 identity theft insurance for no extra cost.
TransUnion offers a great value in monitoring service that will watch over all three credit files, with a reasonable $14.95 cost a month with a no-obligation and cancel anytime policy.
Score Direct Review:
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Score Direct starts with unlimited free access to your 3-in-1 3 bureau credit history file and credit score from each of the credity history bureaus so you can see what banks and lenders see. Knowing this information ahead of time will allow you to negotiate bank, loan, and credit card terms better.
Score Direct includes active credit monitoring of all three credit bureau's credit files on you. Score Direct will alert you through email within 24 hours should any changes be posted to any of your credit files. This allows you to spot and errors or fraudulent activity quickly and act to correct them as soon as possible.
Score Direct has lots of extra perks such as ID theft restoration services, exclusive computer protection software offers, unlimited and toll-free access to credit file customer service, and family records organizer CD.
Score Direct is offered with a 7 day free trial to test out all the services included, after which the service costs $14.95 per month. The cost might be more than other services but Score Direct is still a great value for all the extra freebies it includes.
Equifax Review:
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Equifax offer their Equifax Credit Watch Gold with Score Power, which provides 3-in-1 Monitoring. The service starts off with a free 3-in-1 credit history so that you can see what is contained in your credit file with all three credit history agencies as well as unlimited access to your Equifax credit history.
Equifax Credit Watch Gold with 3-in-1 Monitoring will monitor all three of your credit history and alert you within 24 hours if there are any key changes in any of them. You can customize the notification to your liking with wireless, text, or email alerts. With these notifications, you can identity mistakes and errors early on, as well as spot fraudulent activity that could signal an attempt of identity theft. Following up on any changes that you did not initiate yourself can save you time and money in the long run by avoiding any negative credit effects or the costly process of identity recovery. The service is backed by a $20,000 identity theft insurance that has zero deductible; this insurance is included at no extra charge.
Equifax Credit Watch Gold offers the best value for a monitoring service that will watch over all three credit files.