Credit Monitoring Reviews & Prices

September 2, 2018 12:32 pm

Credit Monitoring Reviews & Prices

There are a lot of ways to get your credit scores and credit reports
and a lot of credit report monitoring services out there. The reality is that most of them are the same services repackaged by different companies. NextAdvisor.com’s editors have researched and tried all of them. We’ve created the below comparison and reviews for only the services that we have found offer the best features and information at the best price. We selected these credit report monitoring services because each of them offers something valuable at a better price than you can find elsewhere. All of our recommended services provide email alerts within 24 hours of a change to your credit report and are run by large, reputable companies. Looking for free scores? Just sign up for one of the services with a free trial and cancel before the trial period ends.

 

Credit Monitoring Comparison Chart

Comparison Chart Courtesy of NextAdvisor.com. Updated 6/28/2018.

Product Name Bottom Line Credit Scores Trial Period & Price Credit Monitoring Rating
 

Identity Guard

Most comprehensive & best overall service we have reviewed; All 3 credit scores free; $3 discount & free 30-day trial Free scores based on data from Equifax, Experian & TransUnion Free 30-day trial; $16.99/mo individual, $22.99/mo couple, $24.99/mo family (after our $3 discount) All 3 bureaus Five Stars
 

FREEScores AndMore

All 3 credit scores free; monthly credit updates plus other benefits; 25% discount & free 30-day trial Free scores from Equifax, Experian & TransUnion Free 30-day trial; $14.99/mo (after our 25% discount) All 3 bureaus Five Stars
 

PrivacyGuard

All 3 credit scores and 3-bureau credit report for $1; monthly credit score and report updates and excellent identity theft protection; 25% discount & $1 30-day trial Scores from Equifax, Experian & TransUnion $1 30-day trial; $14.99/mo (after our 25% discount) All 3 bureaus Five Stars
 

Experian

Daily updated Experian credit scores, plus quarterly 3-bureau reports and scores; excellent identity theft protection and credit monitoring; 30-day free trial (monthly) or 2 months free (annual membership) Free scores from Equifax, Experian & TransUnion 2 months free & $19.99/mo (w/annual prepay) or 30-day free trial & $19.99/mo (w/monthly plan) All 3 bureaus Four and a half Stars
 

LifeLock

All 3 credit scores, excellent ID protection; 10% discount for the first year Credit scores from Equifax, Experian & TransUnion $24.74/mo* (w/annual prepay after our 10% discount for the first year) All 3 bureaus Four Stars
Product Name Bottom Line Credit Scores Trial Period & Price Credit Monitoring Rating
 

myFICO

3-bureau monitoring and real FICO scores; FICO score updates anytime a change is detected at a bureau; no free trial; more expensive than comparable services FICO scores based on data from Equifax, Experian & TransUnion $27.42/mo (paid annually); No free trial All 3 bureaus Three and a half Stars
 

Credit Karma

Provides Equifax and TransUnion credit scores, credit reports and daily credit monitoring for free, but uses your personal information to sell you credit card offers Free Equifax and TransUnion scores Free Equifax and TransUnion monitoring Three and a half Stars
 

TransUnion

3-bureau monitoring, unlimited TransUnion scores Free TransUnion score $19.95/mo All 3 bureaus Three Stars

Kern Schools Federal Credit Union provides the information in this article for educational purposes only. Kern Schools Federal Credit Union is not responsible for the products or recommendations provided by the above article, nor any business transactions conducted between the Member and any vendors listed on this page.