Credit Report Monitoring
Credit Report Monitoring Reviews & Ratings
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All 3 credit scores free; most comprehensive & best overall service; 7-day trial for free |
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All 3 credit scores free; monthly credit score & report updates plus other benefits; 7-day trial for $5 |
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All 3 credit scores free; great value, especially for families; 30-day trial for $5 |
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All 3 scores plus excellent 3-bureau monitoring & automatic fraud alerts; 30-day trial for $10 |
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All 3 credit scores free; 7-day trial for $5 |
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Unlimited 3-bureau scores; $1 7-day trial; a bit expensive |
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Monthly updates of all 3 scores and your credit reports; 7-day trial for $5 |
Your Credit Score Can Cost You Thousands
It's a little known secret that a low credit score can cost
you thousands of dollars a year in higher payments or prevent you from
getting anything from a job to a cell phone. Lenders use your credit
score to decide the interest rate you're charged on credit cards and
loans. This means negative information on your credit report that lowers
your credit score will result in a higher interest rate, and therefore
higher payments. Or you may not be able to get a loan at all. On a
30-year, $250,000 mortgage, a difference of 50 points in your credit
score can literally mean you're paying an extra $80,000 over the course
of the loan.
Learn more about your credit score.
How Does Credit Report Monitoring Really Work?
Credit report monitoring services constantly monitor your
credit report for any changes and send you an email alert whenever a
change occurs. This is one of the best ways to detect identity theft.
Most also give you free credit scores and free credit reports, plus
explanations of what factors are helping or hurting your
creditworthiness. And some even have have tools that let you know how
the financial actions you take may negatively or positively affect your
credit score.
Free Trials
Most of our most highly recommended credit report monitoring services offer free trials which include free access to your credit score. We think it's important to monitor your credit score and report on an ongoing basis, but if you decide you don't want to keep any of these services, you can simply cancel during the trial period and your credit scores are yours to keep for free.
