Best Credit Report Monitoring Services

Written By Jeff Hindenach
Last updated September 4, 2019

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sky blue review
July 2, 2016

Simple. Thrifty. Living.

In an age ruled by credit cards, online loans and borrowing, credit scores have become the gold standard of measuring your financial health. Sadly, because of that, things like credit repair companies that help with credit scores and credit report monitoring services have become the gold standard for scams. Many offer free credit scores, only to start charging you after a month or two, without your knowledge. So how do find the best credit report monitoring service that is straightforward with you? Here’s a little research we did on the top services:

Transparency: The most respectable credit report monitoring services will tell you up front that they cost money. Almost all of the most respectable services will charge, so don’t fall for the scams of the free sites, except for the one we mention below.

Free Trial: Most of the best credit report monitoring services offer a free trial that could span from 7 days to a month. Take advantage of these and try out the service before you sign up for them. Just make sure you cancel the free trial before you start to get charged for the services.

Price: No matter what they offer, paying anything over $25 a month for credit report monitoring is a ripoff. The most extensive and respected service at the most costs about $22 a month, and most of the better service costs even less than that.

Updates: Only pay for what you need. If you want to monitor your credit monthly, don’t pay for a service that only updates your reports and scores every 3 months. Ask each service you look at how often they update your information before you sign up for the service.

If you still need help, we put together some of the best credit report monitoring services for you to choose from:

IdentityForce is great because it offers daily credit report monitoring as well as a credit report and score tracker. It’s great for families because it offers a ChildWatch add-on to the regular credit monitoring and identity theft services that helps protect your child’s identity. The price for their regular service is $19.95 per month for both credit monitoring and identity theft, plus $2.95 for the ChildWatch service. IdentityForce’s identity theft protection monitors all of your financial information, as well as your public records, and will alert you if there is any unusual activity. IdentityForce also offers a 14-day free trial, so you can try out the service before you commit.

IdentityForce Identity Protection

Get Started with IdentityForce

IdentityForce Identity Protection image
  • Price: IdentityForce plans cost from $14.99 per month to $19.99 per month. You can sign up for IdentityForce here.
  • Plans: IdentityForce offers two plans: UltraSecure and UltraSecure+Credit. UltraSecure+Credit includes credit report monitoring.
  • Features: Both IdentityForce plans provide the essential services needed to protect people from identity theft and fraud.
  • Customer Service: You can contact customer service by phone or through the company’s website.

Credit Sesame is awesome for those who are reluctant to give up their credit card information to get credit report monitoring services. It’s 100% free, which is very unusual in the credit report monitoring world. Credit Sesame is also one of the most respected credit report monitoring services. It updates your credit score every month, so you can see how your credit score is changing. Does Credit Sesame offer everything other credit report monitoring services do? No, but if you are just looking for simple credit report monitoring, Credit Sesame is the best service for you.

About the Author

Jeff Hindenach

Jeff Hindenach is the co-founder of Simple. Thrifty. Living. He graduated from Bowling Green State University with a Bachelor's Degree in Journalism. He has a long history of financial journalism, with a background writing for newspapers such as the San Jose Mercury News and San Francisco Examiner, as well as writing on personal finance for The Huffington Post, New York Times, Business Insider, CNBC, Newsday and The Street. He believes in giving readers the tools they need to get out of debt.

  • Actually, Credit Sesame is free, and unlike the, you get updates of your credit score monthly instead of annually.

  • Talk about free stuff like certain credit cards which offer free montly scores and

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