Best Credit Monitoring Services 2019

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PrivacyGuard Reviews

PrivacyGuard

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Editor's Take

PrivacyGuard is a truly straightforward and comprehensive credit monitoring service. For a monthly fee, you’ll receive your credit reports and credit scores from each of the three major credit bureaus: Experian, TransUnion, and Equifax.

Since creditors often report to just one or two bureaus, it’s smart to monitor all three. It’s very common for the information on each report (and consequently, each credit score) to differ. You can choose from three separate plans with different services and monthly prices ranging between $9.99 and $24.99. All plans allow for a low-cost trial period of 14 days.

Plan Features

  • Monthly Price Range
    $9.99 to $24.99
  • Trial Period
    Yes
  • Years of Experience
    28

Details

  • Broad range of plans to choose from
  • Daily credit monitoring
  • Affordable plan options

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IdentityForce Reviews

IdentityForce

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Editor's Take

IdentityForce places a focus on identity theft protection, but you can also upgrade your plan to include credit monitoring, credit scores, reports, and even a credit score simulator. You can pay month by month or pay for a year upfront to receive a discounted rate. Plus, there’s a 14-day free trial before you need to make a financial commitment.

Plan Features

  • Monthly Price Range
    $17.95 to $23.95
  • Trial Period
    Yes
  • Years of Experience
    14

Details

  • 40 years of experience
  • Trusted by U.S. government
  • Substantial protection options to choose from

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LifeLock Reviews

LifeLock

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Editor's Take

LifeLock is unique in that it not only monitors your personal information, it also offers security to five of your devices to protect against external threats. There are three levels of protection to choose from, each of which includes reimbursement for stolen funds in the event of identity theft. You can choose plans that cost either $9.99, $19.99, or $29.99.

Plan Features

  • Monthly Price Range
    $9.99 to $29.99
  • Trial Period
    No
  • Years of Experience

Details

  • Reimbursement and coverage options available
  • Easy to use mobile app
  • Lost wallet protection offered

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Credit Monitoring Explained

Every credit monitoring service has a slightly different suite of offerings but in general, you can expect to be alerted of any change on your credit report. You generally get to choose the most convenient way to receive this information, such as a phone call, email, or text message.

There are several types of changes you want to be on the look out for. Common red flags include:

  • Hard inquires
  • New accounts

If you didn’t initiate any of these changes, you could be the victim of identity theft and you’ll want to take immediate action. 

A credit monitoring service can also help you during the credit repair process. For instance, you can track changes to existing accounts or new public records to figure out how your score is being impacted. You can make sure your debt payoff is accurately recorded with the credit bureaus or track how and when a new tax lien or civil judgment affects a score. All of this information is helpful when figuring out the best way to improve your credit.

Credit Monitoring vs. Identity Theft Protection

Credit monitoring focuses on information found on your credit report and how your credit score is faring. While tracking this data can inherently help quickly alert you to signs of identity theft, it’s not as robust as a service that specifically focuses on identity protection.

What additional services are typically included in an identity theft protection plan?

Many companies also monitor things like new utilities requests under your name, payday loan applications, and dark web activity to see if your personal information is being sold or traded. Some services included identity restoration services as part of their package deal. If you do become the victim of identity theft, they’ll work on your behalf to clear up the fraudulent accounts.

Consider a company that not only offers credit monitoring, but also identity restoration services.

Whether you choose a credit monitoring service or a more comprehensive identity theft protection service largely depends on your goals. The former is better if you want to work towards fixing your credit, while the latter is better if you suspect your personal information may be compromised.

Frequently Asked Questions

How much does credit monitoring cost?

Credit monitoring is generally paid as a monthly fee and can range from as low as $10 up to $30 per month. The more you pay, the higher level of service you should expect to receive.

Can you monitor your credit for free?

You’re eligible to receive free copies of your three credit reports once every 12 months from Experian, Equifax, and TransUnion. You can order all three at one time or stagger your free pulls throughout a 12-month period.

Does it affect your credit score?

No, credit monitoring doesn’t impact your score because you’re the one responsible for the soft pull of your credit information. Ideally, credit monitoring helps to maintain or even improve your score because you’re constantly aware of what’s being reported.

What is a credit freeze?

You can place a credit freeze on your report so that external parties can’t access your information. This can prevent identity thieves from opening fraudulent accounts in your name. You can still access your own credit information even with a freeze in place.

What should you do if you see suspicious activity?

First, alert authorities and your financial institutions to make them aware and determine your next recommended steps. You can also add a fraud alert to your credit report, which provides a red flag to creditors that you’ve experienced fraud.

Choose the Best Credit Monitoring Service Today!

Avoid the serious consequences of identity theft by signing up for credit monitoring services.

Call Now! (800) 374-8273

with our top pick PrivacyGuard Reviews

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