Most Popular Credit Monitoring Services.
After consulting a lot of do-it-yourself credit reapir successes and for your convenience, a comparison table has been created with detailed reviews, of the top 5 credit monitoring services that are used today.
Free Credit Scores & Monitoring
Each service provides at least one free credit score and/or credit monitoring
after sign-up, with a free trial. Find the one that fits you, and start the free trial. If you do not like it, just cancel, keep your free credit score, and all just for trying it out.
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| Free Trial Length | 30 Days | 7 Days | 30 Days | 7 Days | 30 Days |
| Cost After Free Trial | $17.99/mo | $14.95/mo | $9.95/mo | $14.95/mo | $9.95/mo |
| Credit Monitoring Features | |||||
| Free Credit Score(s) | All 3 Scores (not FICO scores) | Equifax FICO ScoreFICO credit score based on your Equifax credit report. Your FICO score is what most lenders will look at to determine your risk. | None, scores available for extra fee | Experian PLUS ScoreWhile not your actual FICO score, Experian’s PLUS credit score was created with consumer education in mind. It should be a good approximation of your FICO. | Equifax FICO ScoreFICO credit score based on your Equifax credit report. Your FICO score is what most lenders will look at to determine your risk. |
| Free Credit Score Updates | Quarterly | Yearly | None, scores available for extra fee | 2 per month | Weekly |
| Daily Credit Monitoring | |
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| Credit Bureaus Monitored | Equifax, Experian & TransUnion | Equifax, Experian & TransUnion | Equifax, Experian & TransUnion | Equifax, Experian & TransUnion | Equifax |
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| Public Record Report | |
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| Identity Theft Protection Features | |||||
| Basic Identity Theft Protection | |
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| Identity Theft Insurance | |
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| Identity Theft Insurance Coverage | $1 mill | $1 mill | $1 mill | $50k | $25k |
| Extensive Identity Theft Protection | |
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| Internet Fraud Monitoring | |
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| Lost Wallet Protection | |
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| Free Anti Key Logging Software | |
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| Free Internet Security Software ($100 value) | |
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| Public Record Monitoring | |
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| Bottom Line | |||||
| Reviewer Comments | Best overall value – All 3 credit scores + powerful identity theft protection | If you want your actual FICO score plus 3-bureau monitoring, this is your best bet | Cheapest 3-bureau monitoring, no free scores, but cheap upgrades available | Low cost 3-bureau monitoring, frequent Experian Credit Score Updates is a plus | Best way to monitor your FICO credit score on a regular basis, but lacks other features |
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