Review of 3 Best Free Credit Monitoring Companies

Last Update: September 25, 2023 Credit Report Identity Theft Identity Theft Companies Reviews

Many reputable companies offer excellent services at reasonable monthly rates, and several offer free ID protection services. Signing up with one of the so-called free companies is where you could come unstuck. Some are fraudsters, intending to get hold of your information by any means they can.

We can recommend 3 of the top companies you can approach with confidence.


  • CreditKarma is big on security and uses encryption codes to protect your data transmission to their site. This helps to keep others from accessing your personal information.
  • Access to your accounts is read-only, which means that no financial transactions can be done on CreditKarma.
  • You are provided with free credit scores, reports, and monitoring.
  • Based on your credit profile, they recommend products like credit cards and loans from trusted, reliable companies.
  • You get access to your scores and reports from TransUnion and Equifax weekly.
  • You will be alerted if there is an unusual or major change in your credit report.
  • CreditKarma also offers financial calculators and various articles for you to read, to help you understand credit.
  • CreditKarma services are genuinely free. If you sign up for one of the products they recommend, the bank or the lender pays them. In effect, you will save some money, and they will make some money.

CreditKarma affirms that their business provides customers with valuable information in the credit sphere, whether savings, loans or debt relief. They only choose financial partners who share their vision of helping their clients.


  • CreditSesame acknowledge the right for you to access your financial information. They will provide your free credit score and credit report monthly.
  • You will receive daily monitoring reports of any changes to your credit report by personalized alerts.
  • CreditSesame provides free ID theft protection, including free $50,000 ID theft insurance cover and assistance resolving the fraud.
  • You will be advised when better credit card and loan options become available and can opt to receive the alerts daily or weekly.
  • CreditSesame will investigate whether you are overpaying on your loan or credit cards.
  • They can show you offers that can help you save money based on your credit profile.

CreditSesame places a huge emphasis on privacy and security and uses standard encryption methods to protect you – so that your personal information is never compromised.

Read more about CreditSesame.


  • The report and score provided in the basic plan are indeed free. There is no need to supply your credit card details unless you upgrade to a paid plan. The plans are reasonably priced, but the general feeling is that they are not really good value for money.
  • Your credit score is updated whenever you update your credit report. Quizzle makes the full report available once every 180 days. You can also pay a fee if you want it more often.
  • To help protect against ID theft and fraud, Quizzle monitoring services will notify you by email if there is an unusual or major change to your credit report. This enables you to keep a close eye on any attempted fraud or identity theft.
  • Quizzle offers free tools to their clients, detailing how credit scores are calculated and advice on improving your scores if necessary.
  • A popular feature about Quizzle is that they give you 2 full Equifax reports, one when you sign up and a second report after 180 days. Some credit report companies only offer partial reports and just one free report per year.

Quizzle offers a free credit monitoring service, which is absolutely free to join. They also offer you 2 free reports annually, which can be very useful if you try to repair and rebuild your credit.

Read more about Quizzle.



Recommended Articles