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Credit Monitoring Solutions

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LAST UPDATED: January 20th, 2020

Credit Monitoring Solutions is just as its name suggests — a credit monitoring company. 

Credit Monitoring Solutions promises to monitor its customer's credit files at all three major credit bureaus and notify them if there are any changes. Customers can also access their credit scores and reports from Credit Monitoring Solutions member portal that is available 24/7/365.

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The Good

  • Credit Reports from All 3 Bureaus
  • Member Portal is Open 24/7/365
  • 7-Day Trial

Credit Reports from All 3 Bureaus

Credit Monitoring Solutions works together with TransUnion, Equifax, and Experian. Knowing all three credit scores is beneficial as it gives consumers an overview of their credit and where they stand. 

Member Portal Is Open 24/7/365

The company also offers customers access to the Member Portal 24/7/365. Customers can log in anytime or anywhere to view their scores, reports, and more. 

Additionally, Credit Monitoring Solutions' customer service is available Monday–Sunday to help with any questions or concerns. 

Monday–Friday: 9:00 a.m. – 8:00 p.m. (EST)
Saturday: 9:00 a.m. – 4:00 p.m. (EST)
Sunday: 1:00 p.m. – 6:00 p.m. (EST)

7-Day Trial

Credit Monitoring Solutions offers a 7-day trial that allows customers to see their credit reports and scores. Consumers should be aware that the company may charge $1 for the trial. If the service is not canceled before the end of the trial period, Credit Monitoring Solutions will automatically bill users regularly at the regular subscription or membership price.

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The Bad

  • Must Log In to Member Portal to See Alerts
  • A Bit Pricey

Must Log In to Member Portal to See Alerts

While most other credit monitoring companies will send an email or SMS alert to notify users of a credit report change, Credit Monitoring Solutions customers have to log in to the member dashboard to view any credit alerts. 

A Bit Pricey

Compared to a number of other companies in the industry, Credit Monitoring Solutions is a bit pricier than others. The company’s Ultimate Credit Membership gives users unlimited access to their Experian, Equifax, and TransUnion credit reports and scores. It also includes credit alerts on key changes, credit fraud consultation, 24/7 roadside assistance, and exclusive access to free products, coupons, and more. But users will have to pay $39.90 per month. 

There are a few cheaper plans such as the Premium Credit Membership, which includes unlimited access to the Experian credit report and score and daily monitoring for the Equifax and TransUnion reports and scores, but that costs $29.95 per month. 

The cheapest plan is the Credit Monitoring plan at just $1 per week. However, users will have to pay an additional $6.95 for their Experian and Equifax credit reports and scores.

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The Bottom Line

Signing up for Credit Monitoring Solutions is simple and the company offers 24/7 credit monitoring services, a 7-day trial, and access to their member portal 24/7/365. Additionally, users will receive their credit scores from all three major credit bureaus (TransUnion, Equifax, and Experian).

However, Credit Monitoring Solutions is a bit on the pricier side when it comes to credit monitoring companies and that may deter customers from signing up. Another thing that may dissuade consumers is the fact that Credit Monitoring Solutions doesn’t send its customers an email or SMS alert when there is account activity. Alerts are only shown when users log in to their member portal — which can be frustrating for users who don’t plan on logging in every day.

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