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Best Credit Monitoring Services Reviews for 2017

Latest Update:    May 30, 2017

Regardless of who you are, there’s a real value that can be abstracted from a quality credit monitoring service. There are many companies that make huge claims … but only a few walk the walk. After examining dozens, we’ve narrowed the list down to only 10 to suggest to you.

Without further ado, here’s the list of the 10 best credit monitoring sites by Elite Personal Finance’s standards!

CompanyWhat's IncludedCost of ProtectionOur Opinion

1) Credit Sesame

10/10

CreditSesame

Get FREE Protection Now!



$50,000 in identity theft insurance (free)

Up to $1 million in identity theft insurance (paid)

Instant credit core access

 

The basic credit monitoring service offered by Credit Sesame is free!

You can upgrade to Platinum Protection for only $19.95 a month or $191.40 annually to get full coverage.

Best for Everyone!


Free credit monitoring, 1-bureau reports and scores!

You can get credit monitoring for free, or upgrade and get quality ID protection with it.

Their Platinum Protection package runs $19.95 a month.

Best FREE credit and identity monitoring!


Join Credit Sesame Now


2) Identity Force

10/10

IdentityForce

Get
Protection from Identity Force Now!




$1 million in identity theft insurance

Daily tri-bureau credit report monitoring

Monthly credit score updates

24/7 identity restoration support


Add your child for only: $2.75 a month or $27.50 yearly!

Identity Force UltraSecure: $17.95 a month or $179.50 annually

Identity Force UltraSecure+Credit: $23.95 a month or $239.50 annually

Cheap for Families!


3-Bureau Credit Reports and Scores!

One of the top trusted credit monitoring companies!

Best for families!!!

Best low cost credit and identity monitoring!


Join Identity Force Now

3) TransUnion

10/10

TransUnion

Get Protection Now!



$1 million in identity theft insurance

Instant email alerts


$19.95 a month


1-bureau reports and scores!

You can get credit monitoring, for 19.95 a month

Top Trusted Bureau in US!


Join TransUnion Now



4) LifeLock

10/10

Lifelock

Read More About LifeLock



$1 million service guarantee

Up to $1 million in stolen funds replacement

Tri-bureau credit monitoring and scores


Standard: $9.99/mo

Advantage: $19.99/mo

Ultimate Plus: $29.99/mo

Junior: $5.99/mo


Their $1 million service guarantee and stolen fund replacement make for no liability concerns.

This is Elite Personal Finance’s TOP PICK for paid credit monitoring + ID theft protection.

Best place for BOTH credit monitoring and ID protection!


Join LifeLock Now

Try It Out & Get 30 DAYS FREE + 10% OFF

5) Experian's ProtectMyID

9/10

ProtectMyID

Read More About ProtectMyID



$1 million in identity theft insurance

Daily identity monitoring

Lost wallet protection

Fraud alert placement


$15.95 a month


We find ProtectMyID's family plan to be a great deal. With it, you can get credit monitoring and identity theft protection for $15.95 a month.


This is almost half the cost of LifeLock's Ultimate Plus plan!


Protect your whole family for less than a coffee a day!


Join ProtectMyID Now

6) myFICO

8/10

myFICO

Read More About myFICO



Online identity scan reports

Instant tri-bureau credit report and score access

Social Security number monitoring


FICO Essentials 1B: $19.95 a month or $219 annually

FICO Identity Ultimate 3B: $29.95 a month or $329 annually


myFICO provides highly accurate credit reports and scores. Their identity monitoring is also effective, but it is not as complete and comprehensive as what the top 4 companies offer you.



Get all your real FICO scores WITH your monitoring plan!



Join myFICO Now

7) Mint

68/10

Mint

Read More About Mint



Tri-bureau credit reports and scores

Monthly credit score tracking


Mint Credit Score: FREE!

Mint Credit Monitor: $16.99/mo


If you want free credit monitoring, Mint is an alternative to Credit Sesame and Credit Karma. They rely on your Equifax credit report and they give you your Equifax credit score four times a year.

Their ID protection features are limited in Mint Credit Monitor, and some users have reported that their scores are inaccurate.

An unbeatable personal finance tool with much more to offer!


Join Mint Now

8) Credit Karma

7/10

Credit Karma

Read More About Credit Karma



Weekly credit reports and scores from TransUnion and Equifax


FREE!


Credit Karma gives you free access to your Equifax and TransUnion credit report and score. Their credit monitoring is just as good as what Mint offers, but their dashboard isn't as nice.


Not bad at all for a free service!



Join Credit Karma Now

9) Wells Fargo

7/10



Wells Fargo

Read More About Wells Fargo



Daily tri-bureau credit monitoring

Tri-bureau credit score tracking

Fast alerts via emai


$12.99/mo


If you have a Wells Fargo bank account, this plan is super easy to set up. Other than this fact, there's not much redeeming about Wells Fargo's credit monitoring service. You only get the bare bones, and there have been endless technical difficulties (like not being able to log in) that were reported in previous reviews.

There are much better options out there!

10) Equifax

7/10

Equifax

Read More About Equifax



Tri-bureau credit monitoring
$1 million in identity theft insurance

Daily tri-bureau credit monitoring


Equifax Complete Premier: $19.95 a month

Equifax Complete Family: $29.95 a month


You can get a family plan with credit monitoring AND identity theft protection, for 2 adults and 4 kids, for only $29.95 a month!

Other than that, there are much better options available to you.


 

At Elite Personal Finance, our goal is to introduce you to the latest and greatest ways to make and save money, build and repair your credit, and protect your identity. That last part, identity protection, cannot be done effectively without a paid credit monitoring service. These services can also help you with building your credit in many ways.

Want a timeless way to protect your credit accounts from fraud? Credit monitoring is the answer! We already reviewed the Top 10 Identity Theft Protection Companies of 2017 , but now we have a list of the best credit monitoring services currently available. We’ve included reviews of a few free credit monitoring and credit report and score services. The best services will not just offer monitoring and alerts, but also your credit scores and reports on a regular basis. Plus, a high quality provider will offer many other great perks.

How We Chose the Best Credit Monitoring Services

Our research looked at criteria of price flexibility, breadth of offering, and customer satisfaction. Using these criteria, we’ve narrowed it down to the 10 best credit monitoring services to consider and ordered them by performance.

Without further ado, let’s look at how each company stacks up!

The Best Credit Monitoring Service Companies

 

#1 – Credit Sesame – The Best Free Credit Monitoring

Credit Sesame

Credit Sesame is very well known for giving a nearly instant credit report and score. But it’s better known for being a completely FREE service to use.

Yes, Credit Sesame is FREE credit monitoring!

It is not as comprehensive as the seven above choices, however it does shine among the ‘free’ services’.

Benefits:

  • Free
  • Instant Credit Score
  • Credit Monitoring and Alerts
  • $50k Identity Theft Insurance

Get Free Protection Now!

 

#2 – Identity Force – Lots of Protection Software

Identity Force

 

Identity Force is one of the best identity theft protection services, and for good reason. Their identity theft protection plan runs $17.95 a month, which makes it a little pricey. However, it is well worth it and upgrading to the $23.95 plan will add a lot of credit monitoring perks.

  • Family Plan: You can get family protection for an added fee, which includes your spouse and dependents.
  • Daily Credit Monitoring
  • Tri-Bureau Credit Scores

Identity Force also includes lost wallet protection, medical card protection, insurance, daily credit monitoring, access to 3 bureau credit scores, fraud alerts, and an Identity Score that represents your level of risk. There’s no wonder why it’s Top 3 on nearly every list.

Get protected through Identity Force now!

#3 – TransUnion – The Best Protection Direct from the Bureau

transunion

TransUnion is one of the three big bureaus that rate consumer credit and, ultimately, give you your score and report.

All three bureaus offer solid protection, but TransUnion offers the best.

Benefits:

  • TransUnion Credit Score
  • Credit Monitoring and Alerts
  • Debt-to-Income Ratio: Gives you your debt-to-income ratio right away, making it easy to see what you qualify for.

Get TransUnion credit monitoring now!

 

#4 – LifeLock – The Best Credit Monitoring Service

Lifelock

LifeLock is known for its superior identity theft protection. It’s as good as it gets, with a flexibility in product offerings that anyone can afford. It’s #1 on many lists of identity theft protection, including our very own.

LifeLock has long been one of the best credit monitoring companies and it certainly stays this way in 2017, hopefully remaining such in 2017.

We’ve done a review on LifeLock, which you can read here.

In short, here is why it’s the best credit monitoring service out there:

  • 3 Bureau Monitoring and Scores – Experian, Equifax, and TransUnion scores are all available from LifeLock.
  • LifeLock Wallet to store credit card and other card information safely on the cloud
  • Monitor Your Child’s Credit with LifeLock Junior
  • Their Best Identity Theft Protection Plans Have powerful features like Address Change Verification, Fraud Alerts, and a *$1 Million Total Service Guarantee

*Disclaimer: “Service Guarantee benefits for State of New York members are provided under a Master Insurance Policy issued by State National Insurance Company. Benefits for all other members are provided under a Master Insurance Policy underwritten by United Specialty Insurance Company. Under the Service Guarantee LifeLock will spend up to $1 million to hire experts to help your recovery. Please see the policy for terms, conditions and exclusions at LifeLock.com/legal.”

Get LifeLock today and get the best protection and monitoring that money can buy!

#5 – Experian ProtectMyID

protectmyid

Experian offers many of the same services that Equifax does… but the pricing is structured differently.

Your first month is $5, not free. And each month is $20/month after that! For this reason, we’ve put Experian at number seven.

Benefits:

  • $4.95 First Month
  • Experian Credit Score
  • Monthly Updates to your history are sent directly to you.

$4.95 for your first month at Experian!

#6 – MyFico – The Originator of the Credit Score

MyFico

MyFico, as the name implies, was started by FICO. FICO is the company that invented the credit score that the three main bureaus (Equifax, Experian, and TransUnion) use today.

MyFico was founded as a way for people to easily get their credit score online and has since evolved into a full fledged monitoring service.

It’s number three on the list primarily because they do not offer as much by way of protection as the top 2 guys, but their credit monitoring is definitely notable as one of the best out there.

Benefits:

  • 3 Bureau Credit Scores
  • 19 Different Varieties of Credit Scores to see what actual lenders are using!
  • Quarterly Credit Monitoring for All 3 Bureaus

Join MyFico now for all your credit scores!

#7 – Mint – Manage Your Credit Card Spending in Real Time

Mint is not like the rest that you see here. Instead, you are monitoring your accounts easily, in real time, with alerts sent to you every week.

Benefits:

  • Free
  • Monitors your spending and will alert you to uncharacteristic spending.
  • Will help you improve your credit score by showing you how much you’re spending.
  • Mobile App to monitor spending on the go!

Get Mint today, for FREE!

#8 – Credit Karma – The most well known free service

Credit Karma is probably one of the more famous names in free credit report.

They offer excellent tools to help with your finances and keep your credit in a good range. But they do not have as much protection as Credit Sesame does, and focuses more on monitoring than anything else.

Benefits:

  • Free
  • Credit Score and Alerts
  • Odds Calculator: Calculates your odds of getting a specific loan by using your credit history!

Check out Credit Karma today!

#9 – Wells Fargo – A Name You Can Trust

wells fargo

You might bank at Wells Fargo, and certainly many people do. It’s one of the most trusted names in financial services and is no slouch when it comes to keeping your credit intact.

We placed it at number four because, even though their offer is good, it’s simply doesn’t offer a lot of flexibility in choice. But if you’re satisfied with this, you can’t go wrong.

Benefits:

  • 3 Bureau Monitoring
  • Score Tracker – Tracks your score over time to see month-to-month changes.
  • Score Simulator – Shows you possible credit score outcomes of taking out loans.

They make it easy to sign up if you bank with them, and you can do it here. Get Wells Fargo Monitoring today!

#10 – Equifax – Try Before You Buy

equifax

Equifax is the 2nd bureau on our list, and they offer a lot of similar options as TransUnion does. However, they do not offer updates as frequently as many of the other companies do. Not only that, but only TransUnion makes it easy to see your debt-to-income ratio, which is a big factor in credit approval.

Benefits:

  • 30 Day Free Trial
  • Equifax Credit Score
  • Credit Alerts that tell you if something has happened to your credit history.

Try Equifax Credit Monitoring for 30 Days… FREE!

Credit Monitoring FAQs

There might be something you’re wondering about how these services work. You are free to comment with a question below but first take a look at some frequently asked questions below …

What is credit monitoring exactly?

This is simply the act of monitoring your credit — which can be defined as your credit cards, your bank accounts, your investing accounts, and much more. Most credit monitoring companies will watch for signs of forced account changes and unauthorized transactions. You can also find credit + identity monitoring packages that work together to drastically reduce the chance of any credit fraud occurring in the first place.

How does identity monitoring and credit monitoring differ?

Identity monitoring is the act of watching for signs of identity theft or fraud, while credit monitoring watches for credit fraud related attacks. The two often combine; if someone’s identity is stolen, it’s usually used to commit identity fraud for the purpose of financial gain. This typically requires a fraudulent credit card, or unauthorized credit card transactions.

As for protective services, there is a bit of gray area between the two. A quality credit monitoring program will watch for signs of identity theft because these things could serve as a precursor to credit card fraud. So you can get certain alerts and tracking in a credit monitoring plan that you will find in an identity protection plan — and vice versa.

We always recommend to our readers that they invest in a combination of the two. You can pick up a combined plan for anywhere from $15 to $30 depending on where you go. This guarantees all areas are protected and therefore there will be less ‘points of failure’ to incur.

Is there credit monitoring for small business owners?

If you are a small business owner, your business credit is just as in danger as your personal credit. You might even be more liable for it; since your business information is so hard to protect, having some type of credit monitoring would be great.

We haven’t reviewed any specific business monitoring plans, but we are aware of at least two that are worth looking into if you’re in this position. They’re CSID and Experian, both of which have specialty business / enterprise credit monitoring plans for you to use.

What’s the best credit monitoring service for students?

If you are a student, we recommend that you invest in basic credit monitoring and place a credit freeze on your file. This is especially effective if you have no active credit and you don’t plan to open any or many new credit lines in the near future. The freeze will prevent fraudsters from opening new accounts in your name. Then you can monitor any current activities with the credit monitoring plan.

You could find similar results with a free service, so don’t be scared to take on a limited monitoring plan. Once you have active credit cards, or if you don’t have a security freeze, you’ll be better off with a premium credit monitoring plan.

What if you don’t have a credit file?

If you have no borrowing history, or if you have what’s referred to as a “thin file” then Credit Karma is the perfect option for you. They offer free monitoring to anyone who has a thin file; we covered this before if you’re interested in reading more.

Is there a way to monitor your credit for free?

YES!

From the list we’ve provided, the following companies all offer free monitoring plans: Credit Sesame, Mint, and Credit Karma. There are some options to upgrade, but you’ll have access to at least some basic credit monitoring features on here. We recommend Credit Sesame the most, as when you decide to upgrade you can seamlessly make the conversion. They also give you both credit monitoring AND identity theft protection at no cost.

Start Monitoring Your Credit NOW!

Credit monitoring services are pretty cheap, and they essentially pay for themselves once you look at all the cost-saving factors. Not to mention, your credit score going up will save you a lot on interest costs in future years as well.

Since these plans are so affordable, and many have free trials, you have no excuse. Get protected today!

These are the best credit monitoring services we have covered lately. Don’t forget that many identity protection companies offer credit monitoring in their plans. Getting identity theft protection and credit monitoring services under the same provider is usually a lot cheaper.

Take a look at our list of the top 10 identity theft protection companies and see if there are any good alternatives.

About The Fastest Growing Personal Finance Blog in 2017

The Fastest Growing Personal Finance Blog in 2017

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One comment

  1. idk, I think WalletHub should be up there somewhere as well. It’s free, you get non-stop monitoring, and friggin daily updates! I mean, that’s gotta be a thing worth mentioning, right?

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