Credit Report and Monitoring Services

IDENTITY GUARD® Review: Visit Site | Back to the Comparison Matrix

IDENTITY GUARD® Extra Caution provides 3 bureau credit monitoring. The service starts off with free credit reports and free credit scores from all 3 credit bureaus so that you can see all what information is in all your credit reports and know your credit scores.

IDENTITY GUARD® will monitor all three of your credit reports 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. IDENTITY GUARD® goes far beyond other credit monitoring services by monitoring public records, social security numbers, and black market sales of your personal information. IDENTITY GUARD® also includes anti-keylogging software, help with cancelling youre credit cards if you lose your wallet, and personal ID risk assessment reports.

IDENTITY GUARD® offers the best value for a monitoring service that will watch over all three credit files, with a reasonable $14.95 cost a month after a generous 30 day free trial.

Equifax Review: Visit Site | Back to the Comparison Matrix

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 report so that you can see what is contained in your credit file with all three credit reporting agencies as well as unlimited access to your Equifax credit report.

Equifax Credit Watch Gold with 3-in-1 Monitoring will monitor all three of your credit reports 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.

TransUnion Review: Visit Site | Back to the Comparison Matrix

TransUnion provides 3 bureau credit monitoring service which starts off with free credit reports and free credit scores from all 3 credit bureaus so that you can see all what information is in all your credit reports and know your credit scores. Updates to all three credit reports and scores are done every 30 days.

TransUnion will monitor all three of your credit reports 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 report. 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 $14.99 cost a month with a no-obligation and cancel anytime policy.

Free Credit Report .com Review: Visit Site | Back to the Comparison Matrix

You've seen these guys on your television and might even know the jingle. FreeCreditReport.com gives you an easy way to see your credit report and score from Experian. When you see your free credit report, you will be automatically enrolled into the Triple Advantage credit monitoring service for a 7-day free trial. While you will get more information on your credit report from all three credit reporting agencies with other services, this one remains a great value.

FreeCreditReport.com's Triple Advantage credit monitoring alerts you of any changes in any of your three credit reporting bureaus within 24 hours. Knowing about any changes will allow you to spot any mistakes as soon as possible and even catch any fraudulent activity. After the 7-day free trial period, the 3-bureau credit monitoring service only costs $14.95 per month which makes it one of the best prices and service value. You can also cancel during the free trial period without incurring any costs.

Keep in mind that the free credit report you receive is only the Experian credit report and the free credit score via the Experian scoring system, which although closely resembles the FICO Score (most commonly used system) it is not exactly the same. Overall, we think the price and value for the triple-bureau Triple Advantage credit monitoring combined with the free credit report and score make the service from FreeCreditReport.com a great choice.

Free Credit Reports 360 Review: Visit Site | Back to the Comparison Matrix

Free Credit Report 360 combines free credit reports from all three credit bureaus (TransUnion, Equifax, and Experian) as well as credit scores from all three along with triple-bureau credit monitoring. Once you complete your easy online application process (with no social security number required), you will be able to see your reports and scores online instantly. All that is required is a $1.00 processing fee with an easy processing fee refund request process so it will cost you nothing to see your credit reports.

With your application you are enrolled in the Credit Diagnosis three-bureau credit monitoring. The credit monitoring service will watch over all three credit bureaus and alert you with online notifications within 24 hours. This is available for free for a 7-day trial period, after which the monitoring will cost $29.95 per month. This periodic charge is more than the monthly average of the other credit monitoring services. If you cancel before your 7-day trial period ends, or at any time you cancel, you won't be charged anymore.

Free Credit Report 360 has the simplest and fastest way to get online and instant access to your free credit report from all three credit bureaus as well as all three credit scores with an application that does not require a social security number. If you are looking for triple report with triple scores, this is the best option and we would recommend you sign up for this service and cancel before the 7 day trial period passes so you do not incur the quite substantial $29.95 a month.

myFiCO Review: Visit Site | Back to the Comparison Matrix

myFiCO Score Watch program delivers the free Equifax credit report along with the free FICO score. Since the FICO score is the credit score system that is the most widely used by lenders, it is a useful measure to know as a measure of your overall credit picture. Keep in mind, however, that since credit scoring system differ from each other, you may get a different credit score from the credit reports from TransUnion or Experian. Those with better credit scores get approved for more loans and may also get better loan interest rates and terms.

You get the credit report, credit score, along with a credit simulator which indicates how different actions affect your credit score which are all combined in a Score Power report. You get two free Score Power reports per year. You can also get your current FICO score at any time there is a change to your Equifax credit report. With your Equifax credit monitoring service, you will receive an email notification within 24 hours if there is a change made to your report (including any hard credit inquiries).

The overall services of myFiCO are available for a 30 day trial period and after that the service is only $8.95 a month. It is a great value for monitoring your Equifax credit report and FICO score. Keep in mind that it is a great value but for a limited service since it does not monitor the other two bureaus. Most identity theft prevention experts will suggest that you choose a monitoring service that watches over all three; you may wish to opt for another service for a higher monthly charge in order to monitor all three credit bureau reports.

myFiCO also has a lot of other applicable credit report services such as Suze Orman's FICO Kit, FICO Credit Complete, and FICO Quarterly or Annual Monitoring that are worthy of checking out.