2017’s Best Credit Monitoring Service

WalletHub editors compared the leading credit monitoring providers so that you can find the one that best fits your needs

WalletHub

4.5 (13)
1 Bureau Monitored Free, No Credit Card Required Go to Site More Details

Fee Details

  • Free membership includes all features

Features

  • Free Credit Scores, Updated Daily
  • Free Credit Reports, Updated Daily
  • Credit-Improvement Advice
  • Personalized Money-Saving Offers
  • Educational Tools

Editor's Notes

You can take this with a grain of salt if you wish, as our bias here is obvious, but we believe that WalletHub is the best credit monitoring service available because it’s free, reliable and accompanied by a number of awesome features that will keep your wallet safe and help you achieve top financial fitness.

Bankrate

4.5 (4)
1 Bureau Monitored Free, No Credit Card Required Go to Site More Details

Fee Details

  • Free basic membership includes scores and ongoing credit monitoring
  • Upgraded membership includes full credit report and enhanced monitoring

Features

  • Full credit report is provided
  • Credit Score is provided
  • Membership includes specialized tools and resources

Editor's Notes

Bankrate offers all the basics with its free credit monitoring package. Users get score access, as well as all of Bankrate's debt calculator and rate resources. Full report access and enhanced monitoring are available with the upgraded membership. If you are interested in the tools and resources, this is definitely a site to check out.

Credit.com

4 (3)
1 Bureau Monitored Free, No Credit Card Required Go to Site More Details

Fee Details

  • Free basic membership includes scores and ongoing credit monitoring
  • Upgraded membership includes full credit reports and enhanced monitoring from Experian

Features

  • Credit Score is provided
  • Site also includes educational tools and resources

Editor's Notes

Credit.com has a very strong credit monitoring service that it offers for free. It has one of the best dashboards in terms of simplicity and information conveyed, and is one of the only sites we saw with a 'goals' tool. The main downside is that the free membership does not include full report access, but this is included in upgraded membership. Definitely a site to consider for ongoing monitoring.

Credit Karma

4.5 (52)
1 Bureau Monitored Free, No Credit Card Required Go to Site More Details

Fee Details

  • Free membership includes all features

Features

  • Credit Score is provided
  • Site also includes educational tools and resources
  • Membership includes specialized tools and resources (Coming Soon)

Editor's Notes

Credit Karma is one of the biggest names in this space, offering users two scores and reports for free. Scores are refreshed weekly, and membership includes a number of tools and resources, including a soon-to-come credit simulation tool. This is a solid option for regular free credit monitoring.

Credit Sesame

4 (9)
1 Bureau Monitored Free, No Credit Card Required Go to Site More Details

Fee Details

  • Free basic membership includes scores and ongoing credit monitoring
  • Upgraded membership includes full credit reports and enhanced monitoring

Features

  • Membership includes Identity Protection Services
  • Credit Score is provided
  • Membership includes specialized tools and resources (Coming Soon)

Editor's Notes

Credit Sesame offers one of the strongest tracking services as part of its credit monitoring package. The site has a strong dashboard and detailed tracking tools. The upgraded membership includes full report access and endhanced monitoring. Credit Sesame is a site you will want to look at for ongoing monitoring.

Compare Cards

3 (2)
1 Bureau Monitored Free, No Credit Card Required Go to Site More Details

Fee Details

  • Free membership includes all features

Features

  • Full credit report is provided
  • Credit Score is provided

Editor's Notes

Compare Cards offers one of the most basic credit monitoring packages with its all free membership. Users get score and report access, along with limited score analysis. The dashboard is one of the more confusing to interpret and navigate, and there are very limited additional tools and resources. This is not the place to start your search for free monitoring.

LendingTree

4.5 (3)
1 Bureau Monitored Free, No Credit Card Required Go to Site More Details

Fee Details

  • Free membership includes all features

Features

  • Credit Score is provided

Editor's Notes

LendingTree offers one of the easiest to use credit monitoring services of all the sites reviewed. While full reports are not available, score and detailed analysis is. Factors affecting the user's score are displayed in an easy to understand manner. LendingTree also offers personalized recommendations on savings, based on a user's specific information. This is definitely a site to consider for anyone interested in savings.

Mint

4.5 (9)
1 Bureau Monitored Free, No Credit Card Required Go to Site More Details

Fee Details

  • Free basic membership includes scores and ongoing credit monitoring
  • Upgraded membership includes monthly Equifax updates and annual 3 bureau updates

Features

  • Credit Score is provided

Editor's Notes

Mint does not focus on credit monitoring, but rather hollistic financial monitoring. Mint shows users their score, and includes a multitude of resources and tools to help the user's general financial situation. While a great site for this, its lack of focus on credit and credit monitoring may make it not as strong for these purposes.

Quizzle

4.5 (4)
1 Bureau Monitored Free, No Credit Card Required Go to Site More Details

Fee Details

  • Free basic membership includes scores and ongoing credit monitoring
  • Upgraded membership includes monthly updates and identity protection

Features

  • Full credit report is provided
  • Credit Score is provided
  • Site also includes educational tools and resources

Editor's Notes

Quizzle offers all the basics needed for credit monitoring as part of its basic membership. Users get scores, reports, and educational resources. Quizzle does offer one of the least frequent refresh periods (6 months) that we have seen, but users can upgrade to a faster refresh. Since all of this is available for free at other sites, this may not be the place to start looking.

Wise Piggy

3 (5)
1 Bureau Monitored Free, No Credit Card Required Go to Site More Details

Fee Details

  • Free membership includes all features

Features

  • Credit Score is provided
  • Site also includes educational tools and resources
  • Membership includes specialized tools and resources

Editor's Notes

Wise Piggy offers a solid basic credit monitroing package. While it does not include full report access, it does have educational resources, and one of the more detailed debt paydown calculators we saw. If you are interested in this tool, this is definitely a site to consider.

Free Credit Score

3 (13)
1 Bureau Monitored Free Go to Site More Details

Fee Details

  • Trial includes all features

Features

  • Credit Score is provided

Editor's Notes

Free Credit Score gives users their score for free, along with minimal credit monitoring. This is an option for monitoring, but is not as strong as other free servies, so not the place to start a search.

AARP

0
3 Bureaus Monitored Free Trial (14 days) $12.99/mo after Go to Site More Details

Fee Details

  • Trial includes all features

Features

  • Full credit reports are provided
  • Credit Score is provided
  • Membership includes Identity Protection Services

Editor's Notes

AARP offers its members an ID Protection service that inlcudes credit monitoring. Users get access to their scores and reports from all 3 bureaus, but not much else in terms of tools or resources. Given this, and the fact that the focus is ID and not credit monitoring, this may not be the best place to start looking for monitoring (for AARP members).

Credit Reports and Scores

2.5 (3)
3 Bureaus Monitored Free Trial (7 days) $14.95/mo after Go to Site More Details

Fee Details

  • Trial includes score and analysis
  • Upgraded Membership includes reports from all three bureaus

Features

  • Credit Score is provided

Editor's Notes

Contrary to its name, Credit Reports and Scores does not include full reports with its basic membership. Users can see their score, and minimal credit monitoring resources, but need to upgrade to get their 3 bureau reports. Given this, it is not the place to start looking for monitoring services.

SmartAsset 360

3 (2)
3 Bureaus Monitored Free Trial (7 days) $14.99/mo Go to Site More Details

Fee Details

  • Trial includes all features

Features

  • Full credit reports are provided
  • Credit Score is provided
  • Membership includes Identity Protection Services
  • Site also includes educational tools and resources
  • Membership includes specialized tools and resources

Editor's Notes

SmartAsset 360 offers one of the most comprehensive packages on the market. Users get access to reports and scores from all 3 bureaus, as well as strong additional tools and resources for credit monitoring. The only major downside is the price tag given the monthly membership fee, but this is certainly a site to keep on the list.

Credit ID Protect

1 (1)
3 Bureaus Monitored Free Trial (30 days) $14.99/mo Go to Site More Details

Fee Details

  • Trial includes all features

Features

  • Full credit reports are provided
  • Credit Score is provided
  • Membership includes Identity Protection Services

Editor's Notes

Credit ID Protect is powered by Identity Guard, and looks to be a weaker version of Identity Guard's own offering. Users can find all of the services it offers on other sites.

Free Scores and More

2 (1)
3 Bureaus Monitored Free Trial (14 days) $19.99/mo Go to Site More Details

Fee Details

  • Trial includes all features

Features

  • Site includes educational tools and resources
  • Membership includes Identity Protection Services

Editor's Notes

Free Scores and More offers basic credit monitoring pertaining to scores with its membership. Users can see scores from all 3 bureaus, as well as solid educational resources. Users cannot see their reports, and there is a monthly fee, so this is not a strong option for ongoing monitoring.

Identity Guard

3.5 (3)
3 Bureaus Monitored Free Trial (30 days) $19.99/mo Go to Site More Details

Fee Details

  • Trial includes scores and reports
  • Upgraded membership includes monthly score and report updates

Features

  • Full credit reports are provided
  • Credit Score is provided
  • Membership includes Identity Protection Services

Editor's Notes

Identity Guard specializes in ID Protection, but offers credit monitoring as a part of this service. Users get access to scores and reports from all 3 bureaus, but the focus remains on ID rather than credit monitoring. This is a solid option, but stronger comparable options exist for paid monitoring.

Fast 3 Credit Scores

2 (1)
3 Bureaus Monitored Free Trial (14 days) $24.99/mo after Go to Site More Details

Fee Details

  • Trial includes all features

Features

  • Credit Score is provided
  • Membership includes Identity Protection Services

Editor's Notes

Fast 3 Credit Scores offers a credit monitoring service that does not include much else. Users can see scores from all 3 bureaus, but do not get access to reports or other resources. Given this and the monthly fee, this is not the place to start looking for monitoring services.

My Score

3.5 (3)
3 Bureaus Monitored Free Trial (7 days) $29.95/mo after Go to Site More Details

Fee Details

  • Trial includes all features

Features

  • Full credit reports are provided
  • Credit Score is provided
  • Membership includes Identity Protection Services
  • Site also includes educational tools and resources

Editor's Notes

My Score offers a solid credit monitoring service for a fee. Users get access to scores and reports from all 3 bureaus, as well as educational tools and discounts at certain vendors. Given the monthly fee, and comparable services, this is not the place to start if you are interested in monitoring across all 3 bureaus

Equifax

4.5 (8)
3 Bureaus Monitored Free Trial (7 days) $17.95/mo after Go to Site More Details

Fee Details

  • Trial includes all features

Features

  • Full credit reports are provided
  • Credit Score is provided
  • Membership includes Identity Protection Services
  • Site includes educational tools and resources
  • Membership includes specialized tools and resources

Editor's Notes

Equifax, one of the 3 bureaus, has the strongest of all the bureau memberships. Users get scores and reports from all 3 bureaus, as well as one of the strongest suites of tools and resources that we have seen. Overall, Equifax represents one of the better credit monitoring sites we reviwed, but the monthly fee is a big deterrent for ongoing monitoring.

Trusted ID

4.5 (2)
3 Bureaus Monitored $1 Trial (14 days) $14.99/mo Go to Site More Details

Fee Details

  • Trial includes all features

Features

  • Full credit reports are provided
  • Credit Score is provided
  • Membership includes Identity Protection Services

Editor's Notes

Trusted ID specializes in ID Protection, but offers credit monitoring as a part of this service. Users get access to scores and reports from all 3 bureaus, but the focus remains on ID rather than credit monitoring. This is a solid option, but stronger comparable options exist for paid monitoring.

TransUnion

4 (7)
1 Bureau Monitored $1 Trial (7 days) $17.95/mo after Go to Site More Details

Fee Details

  • Trial includes scores and reports
  • Upgraded membership includes scores and reports from all 3 bureaus

Features

  • Full credit report is provided
  • Credit Score is provided
  • Membership includes Identity Protection Services
  • Site also includes educational tools and resources

Editor's Notes

TransUnion, one of the 3 bureaus, offers credit monitoring with its basic package. Users get scores, reports, and some extra resources. While stronger than Experian's offering, TransUnion is still not the best of the 3 bureaus in this space.

Truecredit

3.5 (2)
1 Bureau Monitored $1 Trial (7 days) $17.95/mo after Go to Site More Details

Fee Details

  • Trial includes scores and reports
  • Upgraded membership includes scores and reports from all 3 bureaus

Features

  • Full credit report is provided
  • Credit Score is provided
  • Membership includes Identity Protection Services

Editor's Notes

Truecredit is powered by TransUnion, and has much the same offering as its parent's basic package. The main difference is Truecredit has a stronger focus on education. This makes it a slightly stronger offering for less credit-savvy users, yet still is not comparable to other offerings.

Experian

4 (12)
1 Bureau Monitored $1 Trial (7 days) $19.95/mo after Go to Site More Details

Fee Details

  • Trial includes all features
  • Special discount for Premier Bank Cardholders

Features

  • Full credit report is provided
  • Credit Score is provided
  • Membership includes Identity Protection Services
  • Site also includes educational tools and resources

Editor's Notes

Experian, one of the 3 bureaus, offers credit monitoring with its basic membership package. Users get scores, reports, and a few extra tools and resources. Despite this, it represents the least strong offering of the 3 major bureaus for monitoring. As such, look at the other two first if you are set on going straight to the bureaus.

Privacy Guard

4 (1)
3 Bureaus Monitored $1 Trial (14 days) $19.99/mo Go to Site More Details

Fee Details

  • Trial includes all features

Features

  • Full credit reports are provided
  • Credit Score is provided
  • Membership includes Identity Protection Services
  • Site also includes educational tools and resources
  • Membership includes specialized tools and resources

Editor's Notes

Privacy Guard specializes in ID Protection, but offers credit monitoring as a part of this service. Users get access to scores and reports from all 3 bureaus as well as educational tools, but the focus remains on ID rather than credit monitoring. This is a solid option, but stronger comparable options exist for paid monitoring.

CreditReport.com

3.5 (10)
3 Bureaus Monitored $1 Trial (7 days) $24.95/mo after Go to Site More Details

Fee Details

  • Trial includes all features

Features

  • Full credit reports are provided
  • Credit Score is provided
  • Membership includes Identity Protection Services

Editor's Notes

CreditReport.com offers a basic credit monitoring package. Users get scores and reports from all 3 bureaus, but not much in the way of additional tools or resources. Given this and comparable services, this is likely not the place to start your search.

Credit Check Total

1 (6)
3 Bureaus Monitored $1 Trial (7 days) $29.95/mo after Go to Site More Details

Fee Details

  • Trial includes all features

Features

  • Full credit reports are provided
  • Credit Score is provided
  • Membership includes Identity Protection Services

Editor's Notes

Credit Check Total offers a solid credit monitoring service for a fee. Users get access to scores and reports from all 3 bureaus. Given the monthly fee, and comparable services, this is not the place to start if you are interested in monitoring across all 3 bureaus

Protect my ID (Experian)

3 (1)
3 Bureaus Monitored Refundable 14 day trial ($15.95/mo after) Go to Site More Details

Fee Details

  • Trial includes all features
  • 10% discount if 55+ years of age

Features

  • Full credit reports are provided
  • Membership includes Identity Protection Services
  • Site also includes educational tools and resources

Editor's Notes

Protect my ID is Experian's ID Protection offering that includes credit monitoring. Users get access to reports, as well as limited educational tools. Given this, and the monthly fee, this is not the strongest option on the market.

myFICO

4.5 (4)
3 Bureaus Monitored $14.95/mo Go to Site More Details

Fee Details

  • Membership includes scores and reports
  • Upgraded Membership includes enhanced monitoring and optional one-time purchases of additional scores and reports

Features

  • Full credit reports are provided
  • Credit Score is provided

Editor's Notes

myFICO offers direct from the source credit monitoring. It is the only way to get scores or reports directly from FICO. It does not offer much outside of scores and reports, and the monthly fees are a deterrant from using it for ongoing monitoring.