Keeping an eye on your credit is more important than ever. Not only do you need to understand your credit so that you can improve it and hopefully qualify for a better interest rate and terms in the future, but the threat of identity theft is very real. While you can contact the credit bureaus yourself, this is time-consuming and can become quite expensive. Luckily, there are several credit monitoring services available that keep a watch on your credit score for you. While there is normally a fee attached, it is a small price to pay when compared to the stress and cost of dealing with a stolen identity. There are dozens of credit monitoring services out there, so you may have to do some searching to find the right one to meet all your needs. Listed below are some of the top services available.
CreditCheck Total – This credit monitoring service is $29.95 a month; however, your first 7-days are only $1.00. It monitors all three major credit bureaus and presents the information using the PLUS score format, to make it easier to understand. You can pull your reports up to three times per month and cancellation is by telephone, at any time.
FreeCreditReport.com – This service offers your Experian credit report which you can check once per day. It is also set up to provide alerts when anything changes. The service is $16.95 per month with a 7-day trial available for $1.00. Results are provided in the PLUS score format and cancellation is done through a toll-free phone number.
Experian CreditTracker – This is a PLUS score credit monitoring service that allows you to pull unlimited Experian reports as well as offering some monitoring of TransUnion and Equifax. The monthly rate for this product is $14.95 and you can cancel at any time by calling a customer service representative.
Truecredit.com – For $16.95 each month, TrueCredit offers a Vantage Score look at your credit. It allows you to request 3 in 1 reports monthly and provides updates to the TransUnion credit score on a daily basis. Cancellation is by phone.
Zendough.com - This is another $16.95 per month Vantage Score program. This is has a slightly different layout than most credit reports, and offers TransUnion information only. However, it does provide regular account alerts and automatically updates every 30 days. You can cancel the Zendough program by calling a customer support representative.
Credit Watch – This $12.95 per month credit monitoring program allows you to view an unlimited number of Equifax reports and monitors all 3 major agencies for changes. However, there is no credit score given with this report. Cancellation is through the customer support service via telephone.
Equifax Complete – The premier plan by Equifax provides access to your Equifax credit score, monitoring for all 3 reporting agencies and once per year access to a credit score for all agencies. Customers wanting to cancel can do so through Equifax.
ScoreWatch -This $14.95 per month program monitors your Equifax report and the FICO score for changes. The fee also entitles you to pull 2 reports on your own each year. There is a 10 day free trial and you can cancel the ScoreWatch service at any time online through the customer service link.