Reading credit monitoring reviews are a good way to help you find and choose the best credit monitoring service. If you are really serious about not being a victim of identity theft, monitoring credit is one of the things that can really make a difference. It ensures that you effectively handle your credit, especially before you get any form of credit.
There are a lot of companies that offer credit monitoring services, and each of them have their own strengths. Some of these companies are reputable, while some others are nothing but pure scams and charge excessive fees. How do some of these services stack up when it comes to credit monitoring reviews?
Identity Guard Total Protection
The first credit monitoring service that we are going to take on is the Identity Guard Total Protection by Identity Guard. Perhaps the best thing that this monitoring service can do is that it updates you quarterly about all 3 credit scores and updates credit data that you have incurred over the last 3 months. Credit bureau data being used in this service are Equifax, Experian, and TransUnion.
It has credit analysis tools, and insures you from identity theft for up to 1 million dollars, with terms and conditions applying. Data obtained from this service are very simple to read, and is going to update you with credit alerts every day. Among the alerts they send include credit inquiries, public records, new accounts, address changes, and changes in account information.
Costing 16.99 dollars a month, it comes with a one month free trial. It’s impossible, however, for each company to watch your credit report on an hourly basis. Credit monitoring companies can’t fully detect any fraudulent activity because some creditors don’t report certain accounts immediately. As a result you will also not be notified once the activity takes place.
Three Bureau Credit Monitoring
The second credit monitoring service that we are going to discuss is the Three Bureau Credit Monitoring produced by True Credit. It had some strong credit monitoring reviews as it brings a lot to the table. For 14.95 dollars a month, it can check from all 3 bureau data and credit scores.
Even better is that Three Bureau Credit Monitoring can give you comprehensive updates for your credit scores and data monthly, more frequent that just about any in its competition. To top it all off, the data sent are quite simple to read, and credit alerts are sent every 24 hours to your email.
Equifax 3-in-1 Monitoring with Credit Score
The third credit monitoring service that we are going to discuss is the Equifax 3-in-1 monitoring with Credit Score. Made by Equifax, it had some nice credit monitoring reviews in its name as well.
The best thing about this service is that it allows you unlimited access to your credit data, with the sole limitation that you can only monitor Equifax data. It has no credit analysis tools, and you can only receive updates every business day.
Triple Monitoring Alert Service
The last credit monitoring service that we are going to analyze is the Triple Monitoring Alert service. Made by Experian, it is the least expensive monitoring system out there at just 8.95 dollars a month.
However, as credit monitoring reviews have mentioned, it has some glaring limitations. For instance, it has no credit reports, meaning you can only do monitoring with this product. Also, updates are sent only every business day.
These 4 services mentioned here is all legitimate and safe, meaning you can sign up without worrying of being scammed. You can choose among these 4 products, analyze their credit monitoring reviews, and go ahead and decide what credit monitoring service is best for you.