Credit Monitoring Services

We’ve compared all of current credit monitoring services on the market and provide you with their product names, websites, type of credit score provided, monthly cost, whether they have a free trial and the conditions of that trial, what credit reports they supply, the amount of identity theft protection insurance they provide and other details about the credit monitoring programs.

Credit Monitoring Services Table Of Comparison

Product Name & Website Score Type Monthly cost Free trial Trial period Credit Reports ID Theft Protection Credit Monitoring Alerts Other Our review
FreeCreditScore.com PLUS score (EX), bi-weekly 17.99 Yes 7 days Monthly (EX) 50000 Daily (EX) Click
Experian Credit Tracking PLUS score (EX), monthly 14.95 No First month for $4.95 Daily (EX) 50000 Daily (EX, EQ & TU)
Experian Triple Alert PLUS score (EX), at sign up 8.95 No None None 10000 Daily (EX, EQ & TU)
TrueCredit / TransUnion Credit Monitoring VantageScore (TU), monthly 17.95 Yes 7 days Daily (TU), monthly (EX & EQ) 1000000 Daily (TU)
Zendough VantageScore (TU), monthly 29.95 Yes 7 days Monthly (TU) None None
Equifax’s Score Watch  FICO score (EQ-04/BEACON 5.0), monthly 14.95 No None Bi-annually (EQ) None Daily (EQ)
Equifax ID Patrol No Score 16.95 No None Unlimited EQ reports, 3-1 as sign up bonus 1000000 Daily (EX, EQ & TU) Lock credit report in real time
Equifax’s Debt Wise FAKO Score (“EQ credit score”), 4 per year 14.95 No None Four yearly (EQ) 25000 Daily (EQ) Rearranges the credit report to help consumers identify their debt
Equifax’s Credit Watch Gold No Score 12.95 No None Unlimited EQ reports 25000 Daily (EQ)
Equifax Complete FAKO Score (“EQ credit score”), daily 19.95 No None Daily EQ reports, 3-1 report yearly (includes scores from all three) 1000000 Daily (EQ)
Equifax 3 In 1 Monitoring w/ 4 FICO scores FICO Score (EQ-04/BEACON 5.0), 4 per year* 14.95 No None Unlimited EQ reports, 3-1 as sign up bonus 1000000 Daily (EX, EQ & TU)
myFICO’s scorewatch FICO score (EQ-04/BEACON 5.0), monthly 14.95** Yes** 10 days** Two EQ reports. One at sign up, one at time of choosing None Daily (EQ)
myFICO’s Quarterly monitoring FICO score (TU-98), every three months $4.95^ No None Report at sign up, new report every three months None Weekly (TU)
CreditKarma.com FAKO score (TU TransRisk & TU VantageScore), daily Free Always free Forever Summary of TU report, daily None Daily (TU) Click
IdentityGuard FAKO score (CreditXpert), monthly 19 Yes Two weeks Monthly (EX, EQ, TU) 1000000 Daily (EX, EQ & TU)
PrivacyGuard FAKO score (CreditXpert), monthly 17.99 No 14 days for $1 Monthly (EX, EQ, TU) 1000000 Daily (EX, EQ & TU)
Citi IdentityMonitor FAKO score (CreditXpert), monthly 12.95 No None Monthly (EX, EQ, TU) None Daily (EX, EQ & TU)^^ Only for existing citi customers
Privacy Matters 1-2-3 FAKO score (TU, EQ & EX TransRisk) 14.95 No None Monthly (EX, EQ, TU) None Daily (EX, EQ & TU)
Eliminate ID Theft FAKO Score (TU TransRisk) 12.95 No None Daily (EX, EQ, TU) 25000 Daily (EX, EQ & TU)
CreditReport.com PLUS score (EX), twice monthly 19.95 No Thirty days for $1 At sign up (EX) None Daily (EX, EQ & TU)
USAA CreditCheck Monitoring PLUS score (EX), daily 12.95 No None Monthly (EX, EQ, TU) 25000 Daily (EX, EQ & TU)
AMEX CreditSecure PLUS score (EX, EQ, TU), twice monthly 14.99 No First month for $1 Twice monthly (EX, EQ, TU) 1000000 Daily (EX, EQ & TU)
Quizzle VantageScore, twice yearly Free Yes Forever Bi-annually (EQ) None Daily (EQ) Possible to upgrade for $15/mo, allows one CE score and Equifax report per month Click
Credit Check TOTAL PLUS score (EX, EQ, TU), three times monthly 29.95 Yes Thirty days Tri-monthly (EX, EQ, TU) None Daily (EX, EQ & TU) Some creditors provide major discounts for this product
FreeCreditReport.com PLUS score (EX) 19.95 Yes two days (only includes report, pay $1 for report + score) Daily (EX) None Bi-monthly (EX)
ITAC Sentinel FAKO (CreditXpert), Quarterly 12.99 No None Quarterly (EX, EQ, TU) 20000 Daily (EX, EQ & TU)
Smart Credit FAKO (ConsumerDirect Credit Score), four monthly 29.95 Yes Seven days Four monthly (EX, EQ, TU) None Daily (EX, EQ & TU)
ScoreSense FAKO (CreditXpert), monthly 29.95 Yes Seven days Monthly (EX, EQ, TU) 1000000 Daily (EX, EQ & TU)
Credit Sesame FAKO (Experian’s National Equivalency Score), monthly Free Yes Forever Daily summary of EX 50000 Daily (EX) Click
MyScore FAKO (TU TransRisk), monthly 29.95 Yes Seven days Monthly (TU) None Daily (TU)
FreeScore.com FAKO (TU, EX, & EQ TransRisk), monthly 14.95 No None Monthly (TU, EX & EQ) None Daily (EX, EQ & TU)
iQualifer FAKO CE Credit Score (TU) 24 Yes  $5.95 Monthly (TU) None Daily (EX, EQ & TU)
Credit.com FAKO Score (Experian National Equivalency & Experian VantageScore V3) Free No None None None Daily (EX) Click

Key:

TU: TransUnion
EX: Experian
EQ: Equifax
ID Theft Protection: The maximum amount this monitoring service provides in the event of identity theft
Credit Monitoring Alerts: These alerts will only notify consumers of major changes on their credit report, e.g a new account being opened or a credit limit being increased
Score type: The type of credit score offered (if any)

Fine Print:

*At a time of your choosing
**There is a three month requirement if you exceed the trial period
^three month minimum requirement
^^ Business days only

F.A.Q’s

What is the best credit monitoring service?

This will really depend on the features you’re looking for. For example, if you’re planning on applying for credit in the near future it’s beneficial to sign up for a service that gives you access to your FICO score, as this is the score lenders look at.

Whereas if you’re really only after identity theft insurance, then you’ve got to look at a service that has a high ceiling ($1,000,000) on the amount that can be claimed.

Our favorite is Equifax’s 3 in 1 monitoring with 4 FICO scores. This gives you access to your EQ-04 FICO score (sometimes called the Beacon 5.0 score) 4 times each year. It also has $1,000,000 in cover for identity theft and at only $14.95 a month it’s one of the cheaper services on the market.

Sign up for Equifax’s 3 in 1 monitoring program today.

WHICH SERVICES PROVIDE FICO SCORES?

There are four services that provide consumers with FICO scores, two from Equifax and two from myFICO.com, they are as follows: Equifax 3 In 1 Monitoring w/ 4 FICO scores, Equifax’s Score Watch, myFICO’s scorewatch, myFICO’s Quarterly monitoring.

All of these can be reduced in price by using one of the myFICO.com promo codes

Which Credit Monitoring Services Are Free?

There are a number of credit monitoring services which are free. Quizzle, Credit Karma and Credit Sesame are all free forever. Below is a table that only contains programs with a free trial (we haven’t included Quizzle, Credit Karma or Credit Sesame).

Smart Credit FAKO (ConsumerDirect Credit Score), four monthly $29.95 Yes Seven days Four monthly (EX, EQ, TU) None Daily (EX, EQ & TU)
ScoreSense FAKO (CreditXpert), monthly $29.95 Yes Seven days Monthly (EX, EQ, TU) $1,000,000 Daily (EX, EQ & TU)
MyScore FAKO (TU TransRisk), monthly $29.95 Yes Seven days Monthly (TU) None Daily (TU)
IdentityGuard FAKO score (CreditXpert), monthly $19.00 Yes Two weeks Monthly (EX, EQ, TU) $1,000,000 Daily (EX, EQ & TU)
FreeCreditReport.com PLUS score (EX) $19.95 Yes two days (only includes report, pay $1 for report + score) Daily (EX) None Bi-monthly (EX)
FreeCreditScore.com PLUS score (EX), bi-weekly $17.99 Yes 7 days Monthly (EX) $50,000 Daily (EX)
Credit Check TOTAL PLUS score (EX, EQ, TU), three times monthly $29.95 Yes Thirty days Tri-monthly (EX, EQ, TU) None Daily (EX, EQ & TU) Some creditors provide major discounts for this product
TrueCredit / TransUnion Credit Monitoring VantageScore (TU), monthly $17.95 Yes 7 days Daily (TU), monthly (EX & EQ) $1,000,000 Daily (TU)
Zendough VantageScore (TU), monthly $29.95 Yes 7 days Monthly (TU) None None
myFICO’s scorewatch FICO score (EQ-04/BEACON 5.0), monthly 14.95** Yes** 10 days** Two EQ reports. One at sign up, one at time of choosing None Daily (EQ)

Reviews Of Credit Monitoring Services

Below are a list of the in depth reviews we’ve done of the different credit monitoring services. We include information such as how easy it is to cancel and how close the credit scores they provide are to FICO scores.


3 Responses to Credit Monitoring Services

  1. Liliane says:

    Suggestion for correction. Quizzle is off Equifax not Experian. It changed a couple of months ago

  2. MrWho says:

    CreditSesame no longer EX but TU. I don’t know when the switch occurred.

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