Credit Monitoring Services Review

This credit monitoring services review can help you decide which program is right for you.  Generally, you want to be able to monitor all three credit reports, as discussed in our articles on credit monitoring for fraud. In addition to this capability, the most popular credit monitoring plans also offer daily alerts to key changes in your file, unlimited access to reports, fraud resolution assistance, and identity theft insurance. Even though there are slight variations in fees, each of the following companies all offer a good product.

Equifax Complete - Daily monitoring of all three credit reports, with email alerts within 24 hours of any key changes, $1 million in ID Theft Insurance†, and fraud resolution assistance for victims of identity fraud. Also included is a 3 in 1 credit report with your credit score from each of the three bureaus and unlimited access to your Equifax credit report and score. They also offer assistance to help get everything straightened out if you lose your wallet and an interactive credit score simulator so you see how paying down certain debts will affect your score. Another really cool feature is that you will be alerted when your personal information is being used on suspicious sites. Get Equifax Complete Premier Now!

• Best feature: Highest theft insurance amount and credit score simulator
• Worst feature: None

TransUnion 3-Bureau Credit Monitoring - Includes immediate access to 3-in-1 Credit Reports & Scores that can be updated every 30 days, notification within 24 hours of critical report changes, $25K ID theft insurance, and toll-free specialists. Get started with TransUnion 3-Bureau Credit Monitoring

• Best feature: Immediate access to reports and scores. Economical
• Worst feature: Product information is unclear when you get to the order page. You can find out more the program when you click on the button to get your free credit score.

Credit Monitoring by Experian - Get automatic notification of key changes to your credit file and unlimited access to your Experian® Credit Report and PLUS Score, access to live customer and fraud resolution support, and a score center where you can track changes to your credit score over time and estimate how different changes will affect your score.  Get started monitoring your credit with Experian at FreeCreditScore.com

• Best feature: Most reasonably priced ($14.95/mo) and has a 7 day free trial period.
• Worst feature: Based only on your Experian report, but you can access your 3-bureau report and score for an additional fee.

The credit monitoring services review from above can help you pick the best program for your situation.  To help you learn more about protecting your credit, read the following articles:
Ways to Prevent Identity Theft
Credit Monitoring For Fraud
More on Credit Reports