Best Credit Monitoring

50 Companies

320 Real Customer Reviews

2.1
Average User Rating

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Compare The Top Credit Monitoring CompaniesSort By:

6.8

Overall Score

40 User Reviews

2 days ago

  • No cost
  • Scored through VantageScore
  • Weekly refresh rate

Credit Karma

  • No cost
  • Scored through VantageScore
  • Weekly refresh rate

6.2

Overall Score

21 User Reviews

9 days ago

  • Experian Vantage Score 3.0
  • Credit-Building Savings Plan
  • Referral Bonus
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Self Lender

  • Experian Vantage Score 3.0
  • Credit-Building Savings Plan
  • Referral Bonus

5.6

Overall Score

24 User Reviews

5 years ago

  • $29.99 to $49.99 per month
  • Free credit score
  • Monthly refresh rate

Nav

  • $29.99 to $49.99 per month
  • Free credit score
  • Monthly refresh rate

5.4

Overall Score

28 User Reviews

a month ago

  • $24.49 per month
  • Free credit score
  • Yearly refresh rate

LifeLock

  • $24.49 per month
  • Free credit score
  • Yearly refresh rate

5.1

Overall Score

99 User Reviews

a year ago

  • $29.95 per month
  • Free credit score
  • Daily refresh rate

MyScore.com

  • $29.95 per month
  • Free credit score
  • Daily refresh rate

3.4

Overall Score

19 User Reviews

2 months ago

  • $19.95 to $29.95 per month
  • $19.95 credit score
  • Monthly refresh rate

myFICO

  • $19.95 to $29.95 per month
  • $19.95 credit score
  • Monthly refresh rate

3.3

Overall Score

14 User Reviews

5 days ago

  • $19.95 per month
  • $9.97 credit score
  • Daily refresh rate

Experian

  • $19.95 per month
  • $9.97 credit score
  • Daily refresh rate

2.7

Overall Score

14 User Reviews

4 months ago

  • $39.95 per month
  • Free credit score
  • Monthly refresh rate

ScoreSense

  • $39.95 per month
  • Free credit score
  • Monthly refresh rate
  • No cost
  • Based off FICO scoring
  • Monthly refresh rate

CreditReport.com

  • No cost
  • Based off FICO scoring
  • Monthly refresh rate
  • No cost
  • Based off FICO scoring
  • Monthly refresh rate

FreeCreditReport.com

  • No cost
  • Based off FICO scoring
  • Monthly refresh rate
  • No cost
  • Scored through VantageScore
  • Weekly refresh rate

Based out of California, Credit Karma has been featured in multiple news articles including MSNBC, SmartMoney, The Wall Street Journal, USA Today, and TechCrunch. Beginning with two credit reports and scores, the heart of personal finance, the company brings more transparency and certainty to credit and finance with free monitoring, data-driven resources, and personalized recommendations.

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  • Experian Vantage Score 3.0
  • Credit-Building Savings Plan
  • Referral Bonus

Self Lender is a venture-backed credit builder startup based in downtown Austin, Texas. With the understanding that building a financial foundation can be a daunting task, Self Lender helps people begin their financial journey with a savings plan that builds credit. The company has a credit reporting/credit monitoring component, which is free. Credit scores are refreshed once a month for this interface. Self Lender's flagship product is a savings plan that builds credit, wherein the company reports on-time payments each month after a payment is made. Self Lender’s banking partners are Sunrise Banks, N.A. and Lead Bank.

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Nav

5.6Overall Score
  • $29.99 to $49.99 per month
  • Free credit score
  • Monthly refresh rate

Nav, formerly Creditera, is a unique credit monitoring company in that it offers both personal and business credit monitoring.

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LifeLock

5.4Overall Score
  • $24.49 per month
  • Free credit score
  • Yearly refresh rate

As one of the leading identity theft protection companies in the United States, LifeLock includes credit monitoring as part of its Ultimate Plus membership program. This review is geared specifically towards examining how robust and effective its credit report monitoring features are for those seeking to track, improve, and build their credit and credit score over time.

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  • $29.95 per month
  • Free credit score
  • Daily refresh rate

MyScore.com works to help consumers gain a clear understanding of their credit, manage it more effectively, and protect it against the escalating threat of credit fraud and identity theft. The company educates its members about today's complex credit industry and empowers them to make smarter financial decisions.

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myFICO

3.4Overall Score
  • $19.95 to $29.95 per month
  • $19.95 credit score
  • Monthly refresh rate

myFICO is one of the only companies in this space that provides users with comprehensive triple-bureau credit monitoring and the same industry-standard FICO credit scores that lenders actually use, in addition to top-tier educational materials and tools. Although at $19.95 to 29.95 per month, it is slightly more expensive than some competitors, its service has had few, if any, major complaints or scandals over the years and its reputation is quite strong.

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Experian

3.3Overall Score
  • $19.95 per month
  • $9.97 credit score
  • Daily refresh rate

The newest and largest of the three major credit bureaus, Experian has been in business since 1996. The company offers competitively priced triple-bureau credit reports in addition to single-bureau credit monitoring. Although its service only actively monitors one of the three credit reports, it offers a surprising number of features and functionality, including an awesome mobile app, which could make it an option worth considering for some.

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  • $39.95 per month
  • Free credit score
  • Monthly refresh rate

Although ScoreSense provides access to fresh credit reports, acceptable monitoring, interesting tools, and well-designed mobile apps, the company also sells customer information, pushes inaccurate credit scores, has a high monthly price, signup issues, and a poor reputation for misleading clients that it just can't seem to shake off.

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  • No cost
  • Based off FICO scoring
  • Monthly refresh rate

CreditReport.com is owned and operated by Experian, one of the three major credit bureaus. As the name indicates, the company provides users with access to their Experian credit report at no cost. This bare-bones credit report, which is updated monthly, may be sufficient for some users. However, others would prefer a more comprehensive look at their credit.

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  • No cost
  • Based off FICO scoring
  • Monthly refresh rate

FreeCreditReport.com is owned and operated by Experian, one of the three major credit bureaus. As the name indicates, the company provides users with access to their Experian credit report at no cost. This bare-bones credit report, which is updated monthly, may be sufficient for some users. However, others would prefer a more comprehensive look at their credit.

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