How Healthy Is Your Credit?

Your Best Options to Monitor Credit Report

When you use a service that can monitor credit report you will have the peace of mind knowing that in the event that your identity is stolen you will be the first to know about it. Not only that but you will also be able to be notified when disputed items are removed from your credit report. This makes credit report monitoring extremely useful for those attempting to repair or rebuild their credit history. Most credit monitoring services all you unlimited access to your 3 in 1 credit report and credit scores from every major reporting bureau.

What to Look for in a Credit Report Monitoring Service

Credit monitoring services typically offer some of all of the following features:

Alerts - Get email alerts whenever something changes on your credit report. This can help you catch an identity thief as well as keep you up-to-date on things that have been added to or deleted from your credit history.
Identity Theft Protection & Assistance - Most companies that monitor credit reports offer some kind of identity theft insurance or guarantee that helps you pay for financial damages caused by identity theft. They may also offer a dedicated support team to help you deal with identity theft and repair your credit.
Unlimited Credit Reports - Most companies offering credit monitoring will also provide unlimited access to your 3 credit reports and credit scores. This will allow you to check your credit report as often as you’d like which is great when you’re trying to repair or rebuild your credit.
Internet Scanning - Top notch credit monitoring services will proactively scan the internet and let you know if any of your personally identifiable information has been leaked by hackers and scammers. This will allow you to close accounts before they become abused.
Trial Period - Some credit monitoring services allow you to try them before you sign up. You may get 7 to 14 days to try their services before paying a single cent. This can be a great way to get your credit report and credit score free.

Who Offers Plans to Monitor Credit Report?

Credit reporting and monitoring is big business and there are probably dozens of different companies offering credit report monitoring services. Some of the most popular and well known include:

Experian - Experian charges $14.95 a month for their credit monitoring package which includes a $50,000 identity theft guarantee, unlimited access to your credit reports, daily monitoring with alerts and access to their online dispute center.
TransUnion - TransUnion charges $16.95 a month for their service and offers unique features such as personal debt analysis, credit trending, and even $25,000 in identity theft insurance. Not only that but you’ll have unlimited access to your credit reports with 24/7 email updates to any changes made.
Equifax - Equifax offers 3 difference credit monitoring plans to choose from which range from $14.95 a month to $19.95 a month and include standard features such as identity theft insurance, unlimited access to your credit reports, 24/7 customer service, online disputes and more.
Identity Guard - Identity Guard offers a 14 day trial and costs $17.99 a month after the initial trial period. They offer advanced features like internet scanning, 3 in 1 credit reports and even lost wallet protection. This service not only helps to monitor your credit report, it also aims to help protect your identity.

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