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7 Best Credit Monitoring Service Reviews of 2023 | Protect Your ID & Bank Accounts

7 Top Picks

4 Reviewers

30 Hours of Research

30 Options Considered

Having a good credit score is important to your general financial health. It can affect your eligibility to acquire a mortgage, decide your how many loans you can get on your car, as well as determining how much of a risk factor you can be. Sadly, your credit report can be adversely altered by various elements, whether it's identity theft or irresponsible spending. That being said, you must keep track of your annual credit reports you receive per month. A credit bureau monitors  your progress in how you use your credit, so it's best to keep up to date with your records. Managing with the best credit monitoring service can give you the best credit report.

3 Top Credit Monitoring Software

IdenityForce timeline

1. Most Security Features: Identity Force


IdentityForce has unique identity theft insurance features. This credit monitoring service has the ability to manage your credit report and scores with ease. Additionally, there is social network managing in its service which is quite helpful as the economy transitions to an online platform. 

  • Pro BulletComprehensive identity theft insurance and total protection 
  • Pro BulletBanking and credit card alerts
  • Pro BulletCredit  credit report simulator
Identity Guard features

2. Most Versatile: Identity Guard


Identity Guard is an easy-to-use credit monitoring service various ways to protect your identity, whether it's through their risk management services or tracking programs. 

  • Social Security Number Monitoring
  • A customized risk management credit report
  • ID Verification Alarms
Experian IdentityWorks features

3. Best for Families: Experian IdentityWorks 


Experian is a top credit bureau, it has the record of the best credit monitoring services by giving triple-agency credit monitoring with an array of choices for a one-time log-in to your credit reports.

  • Pro BulletExpansive identity theft security in a greater-tier parcel
  • Free credit monitoring services
  • Pro BulletFICO credit report tracking

What Is the Best Credit Monitoring Service for Your Needs?

The best credit monitoring services are those that render complete credit reports per month. Credit monitoring services that give the most points are generally paid, though, several reputable firms allow credit summaries and credit tracking at no credit monitoring cost. What can differ between a credit bureau is whether they offer free credit reports. 

Some of these credit bureaus would require you to hand over your bank information and will automatically put you in their monitoring service only to charge you by the end of the month. Some even provide "identity theft insurance" to take even more money out of your wallet. A best free credit monitoring service wouldn't charge you at all, unlike a paid service.  

1. Most Security Features: Identity Force


IdentityForce offers a credit monitoring service with its own identity theft security that can prevent identity theft, therefore in enhancement to managing credit reports on your score and informing you of any changes to your credit limit.

As a third party credit monitoring company, Identify Force is an awesome credit monitoring service even though it isn't one of the top three credit bureaus. The basic plan monitors and has a comprehensive protection plans to help you stay on top of your personal finance with monthly reports and credit monitoring. All plans have identity theft insurance, and the top will even do the dark web monitoring for you.

One big differentiator from other basic credit monitoring services, is that this monitoring service has social media monitoring— a feature that isn't available amongst the other credit bureaus. Social network managing examines your Instagram, Google+, YouTube, Twitter, Facebook accounts and for any marks of fake or phished investment accounts.

IdenityForce timeline

It provides you a statement of your monthly credit score report of what happens within your score as a record of an on-scheduled expense or charge account. You can sign up to your credit card company, and you'll have free access to your credit scores.

Financial features can simply get complicated, and IdentityForce performs an excellent matter of emphasizing the essential factors. By only focusing on the essential factors of what makes up  your credit report, it'll be easy for you to navigate.

IdentityForce does a really good job of credit monitoring, making it one of the best paid credit monitoring services. Their premium UltraSecure+Credit plan controls all three credit bureaus for a monthly fee of $19.99 and informs you via email if any variations of your account end up on your credit report. A regular credit report is useful in maintaining your account expenses, it also has dark web surveillance and gives you insight if your account has been hacked by someone from the dark web. 

Over the ID protection aspect, this credit bureau will have an array of agents ready to guard your private data, protect you from data breach and stolen funds. Their extensive tracking feature holds checks on any sex offender lists, payday loans, credit reports, court records, and address changes to make certain your personal data is not being utilized without you knowing. Each of these points is possible with the UltraSecure+Credit plan as thoroughly as the more fundamental UltraSecure plan for $12.99 a period.

In my experience, it is one of the most reasonable credit monitoring services I discovered at approximately $20 per month. As it’s reliable that you don’t perceive as numerous add-ons, where credit monitoring is involved, IdentityForce yet has you included with extensive tracking that allows you monitor your score, alongside it produces identity theft security potency.

As a user for this credit monitoring service, you have full control on all the security features. It will save you a lot of time in having to go through an identity theft recovery process.

IdentityForce is added as an excellent option for households. Similar to LifeLock, this firm can guard your kids against identity fraud and criminals. Their Child Watch setting gives intuitive personality monitoring, credit tracking, fraud insurance and ID theft protection for your children. It is extra for their plans in stopping hackers from getting to process personal data of your child.

Identity Force Pros

  • Pro BulletComprehensive identity protection
  • Pro BulletBanking and credit card alerts
  • Pro BulletCredit score simulator
  • Credit monitoring from Equifax, Experian and TransUnion

Identity Force Cons

  • Insufficient action knowledge
  • Credit score simulator is less widespread

2. Most Versatile: Identity Guard


Whether finance is not your thing, and you find it difficult in monitoring your credit reports, Identity Guard is one of the most versatile credit monitoring services that you can utilize.  Above any other credit bureaus, Identity Guard exceeds at safekeeping your credit cards. With this credit monitoring, Identity Guard offers and will ensure that your credit reports are accurate and safely protected. 

I acknowledge how Identity Guard serves to explain several of the more obscure procedure included in credit monitoring. Instead of merely provide you how it likewise gives the why.

With Identity Guard's credit reports, you will receive information regarding any identity theft instance, identity fraud or credit card fraud, sample letters, as well as applications you can use to enhance your credit reports. With the online application, you can monitor a new credit report per month, as well as credit files. 

Identity Guard has assisted covering 47 million clients across longer than 20 years in the industry. The firm's  Premier and Individual Total Plans control all three main credit agencies for adjustments to your credit report statements. This is all in hopes in creating a better financial decisions and experience for you.

Identity Guard features

As for additional features, this service monitors private data such as your Social Security number and name over thousands of other credit reports. With each credit report information, you will have access to an online support service that will be able to assist you with any of your needs. The Total and Premier Plans gives you one credit report per month. It also protects you from high profile data breaches.

There are likewise household programs that can retain your kid's data secure. It watches your kid's data on the hidden net. The Premier Family Plan supplements warning regarding possible harassment online on social networks and three-agency credit recording. Total Family Plan append points such as a three-agency credit modification warning, and it offers identity and best credit monitoring service.

Though it is beneficial for watching your credit data and getting alarms supposing, it is detected in amongst the various networks where defrauders are recognized to purchase and trade data. They will assist you in accomplishing the various actions you have to exert to guard you assuming thy individuality is taken. Further norm beyond all programs is their personality theft security meant to aid you in lessening troubles if your data is jeopardized.

Premier plan affiliates further obtain a few sorts of saving account alarms. Initially, they will acquire warnings when shifts to their title, location, or e-dress are created, or a new record owner is appended to their saving accounts. Furthermore, you’ll be informed when Identity Guard recognizes that your data has been applied in an application to prepare new saving accounts at credit unions, local banks, regional banks, and national banks beyond the United States. I obtained both of those articles to be extremely valuable since saving accounts are another objective of identity thieves that customers must be informed of.

The enlisting procedure for Identity Guard is moderately effortless. You initially choose the plan that’s most suitable for you, next generate a record utilizing your webmail and some password you’d prefer. Following that, you’ll give some private data, such as your social security number, birth date, address, and name which will assist Identity Guard to verify your individuality and draw your credit report information (whether you prefer the Premier or Total plans), then you’re ready to go.

Identity Guard Pros

  • Social Security Number Monitoring
  • A customized risk management report
  • ID Verification Alarms
  • Account Takeover Alerts and Dark Web monitoring

Identity Guard Cons

  • Up-selling

3. Best for Families: Experian IdentityWorks


The credit bureau Experian holds the record of the best credit monitoring services by giving triple agency credit monitoring with an array of choices for a one time log-in to your credit report to see your Experien Credit Report available for the public records. It does a great job which makes sense since its one of the major credit bureaus. 

Experian manages your credit at each of the main credit agencies and presents you with a refreshed score each period. As this is comparable to other comprehensive credit monitoring assistance, Experian credit utilizes the business-standard FICO Score 8 credit score tracking.

Since this number is conventional among bankers, you can be certain that you hold the corresponding data when you want to appeal for new credit.

Experian IdentityWorks features

Furthermore, Experian CreditWorks provides you other sorts of monthly credit score updates, particular to a vehicle, house, and charge plate lines of wealth within its robust updated Experian credit report, your FICO credit score updates in its monthly credit report so you can identify changes in your credit score, as well as credit history.

The benefit of these scores is that they determine affluence adversely than a universal score; hence you have more data to aid you to pass for a mortgage.

IdentityWorks is identity theft insurance and credit monitoring service extended by one of the three bureau credit monitoring services.

This assistance gives comprehensive scam analysis and identity monitoring support, together with a variety of credit monitoring points. Combine in its fund-friendly charges, and any person seeking for daily credit monitoring must examine Experian Identity Works as a reliable alternative.

As far as healthy credit report tracking, Experian Identity Works Premium affiliates will profit from credit tracking and alarms, in addition to a monthly credit report and summaries from all three credit agencies. There is a core on Experian’s credit reports and summaries, which cohere provided that this is the credit agency's assistance, and because of that, your Experian credit reports and summaries will be refreshed regularly. It can be seen in the Reports and Scores page of the network, which is accessible to utilize and allows you to effortlessly strain through several credit reports, summaries, and other data.

In the case a new request or other unusual venture is caught on one of your credit reports, you’ll be given a warning, which you can inspect in the Credit Alerts section of this page.

The range of monitoring in this credit bureau is somewhat comprehensive, comprising the most noticeable sorts of identity theft and private data misapplication of your Experian credit file. It's basically an identity theft insurance that can greatly prevent identity theft! Social security number signals will allow you to discern if any new nicknames, locations, or names get to be correlated with your estimate. Fiscal account appropriate warnings notify you if there’s an unusual movement with one of your records or if a new Experian credit report is inaugurated working your data. Experian credit is one of the top three bureau credit monitoring services with awesome credit score simulator, daily credit monitoring and identity theft protection and insurance.

The IdentityWorks Premium services runs for a monthly or annual fee of $20 for a periodical agreement or $200 for an entire year. Adopting a rhythmic plan gains you a full month test, though you will want to give credit card information and data at enlisting. You can drop your association at any event inside a full-month experiment period to avoid your credit card from being credited.

Experian IdentityWorks Pros

  • Pro BulletExpansive identity theft security in a greater-tier parcel
  • Free credit monitoring services
  • Pro BulletFICO score tracking

Experian IdentityWorks Cons

  • Fancy subscription charges
  • No credit card or bank account monitoring

4. MyFICO 


MyFICO proposes an extensive array of layouts that can include some of your credit monitoring requirements with really powerful credit reporting. All of their programs extend identity theft insurance that comprises higher to $1 million in identity theft protection, identification recovery assistance, actively scan device characteristics, emergency travel assistance and expended wallet security, as well as stolen wallet protection, easily making it one of the top credit reporting changes. This is definitely helpful as the dark web usage begins to increase, making you high-risk. 

You’ll acquire concurrent refreshers to your credit scores with myFICO. This indicates your monthly credit scores are refreshed whenever a switch is announced by one of the agencies, so you’ll identify specifically where your credit attains, which can be viewed as concrete or adverse aspect (hinging on how vital your credit is).

For instance, if modifications aren’t announced to one of the agencies for three periods, you won’t be informed at that period. This may be aggravating for somebody who needs an update monthly, though it’s reassuring to grasp you’ll be informed as promptly as there is a possibility.

They give two distinct levels of assistance.

MyFICO  features

The initial is termed Essentials 1B. You’ll receive periodically entree to one account statement and one credit rate, in particular, that are drawn on your credit report. You gain prompt entree to your record, can oversee variances, and even trace your credit reports for extra protection.

As a bonus, you’ll acquire remedy in recovering your individuality must any of your private data be taken. This bundle charges $20 per period, or you can conserve by forepaying a fiscal year for roughly $220. Instead, you can choose its 3B program, which enables you to monitor your credit statement and FICO summaries from all three agencies. Though you merely acquire updates every semester, therefore you won’t notice variations as they transpire.

At any time you select which project you desire, you’ll want to give some necessary private data, like your social security number, name, and location. All of this is arranged over a concealed network; hence you don’t need to fret regarding any contract divulgences of your private data. After giving your credit card data and responding to some credit monitoring inquiries to validate that your identity. You’ll then possess daily credit monitoring to your statements and accounts.

The personal affirmation inquiries associated with public accounts that feature items such as investments you’ve brought, where you’ve remained, and what area code your number originates in. MyFICO will forward an affirmation email that directs you to sign within your account and establish the distinct aspects.


  • Easy-To-Use Interface
  • Credit recovery and simulation devices
  • Gives identity protection service
  • Offers access to the information of various credit agencies


  • Unending alerts
  • No free credit monitoring

5. Equifax Credit Monitoring


Considering Equifax is another major credit bureau, they give customers their credit reports, all of their identity monitoring services and identity theft give several modifications to these aspects. Some bundles extend only statements, as others propose yearly scores, and yet, others give free credit reports and scores.

Along with comprehensive credit monitoring, Equifax has identity theft bundles. Equifax also provides identity theft insurance for awesome identity protection. It even has dark web scanning for top tier credit reporting. That's why it's known as one of the top three credit reporting agencies.

Equifax Credit Monitoring features

The overseeing approaches with generated SMS alert notifying when there are significant revisions to either your credit report or your credit number (hinging on the bundle that you choose.) 

You will get credit monitoring alarms with this service, these alarms inform you when your credit cards or savings accounts are experiencing unusual and suspicious activity. You can establish monitoring your credit activity and signals to your needs. You can add additional credit accounts as well. 

You possess an extensive diversity of choices when it arrives in establishing a credit protection freeze. You can arrange it web-based, through the gadget or even by letter, and you can modify the freeze correspondingly. It’s a manageable method that aids avoid the initial degrees of identity theft from increasing. This identity theft insurance is definitely valuable as the world is transitioning to an online space.

A scam alarm is a somewhat more carefree account of a credit freeze. It enables bankers to enter your credit record, though they need to verify your individuality before initiating new accounts or stretching current credit in your title. This alarm indicates that you don’t need to experience the struggle of continually unfreezing your account, though you yet acquire conventional protection if somebody attempts to take your individuality.

The Equifax comprehensive Premier plan appears with anything given by the ID Patrol program. It likewise arrives with a regular Equifax credit rate, though, and fiscal alarms that will inform you if your account features have shifted notably. This shift might be in the case of a modification of residence, or a new credit initiated in your honor.

The ultimate assistance is the Equifax Complete Family Plan. It's for those that are looking for identity and credit monitoring services for themselves and their children. This program includes the identical points as the Comprehensive Premier present, though it provides entree to Equifax’s credit monitoring services for another grown-up and relevant to four kids. This program can incorporate the credit monitoring requirements of a whole household and is an inexpensive and enticing alternative if you reside in a family with numerous grown-ups and kids.

Equifax Credit Monitoring Pros

  • Excellent educational resources accessible
  • Custom security assistance offered
  • ID theft safeguard
  • Economical bundle options

Equifax Credit Monitoring Cons

  • No free trial
  • Poor consumer support standing

6. Credit Karma


Credit Karma, unlike other paid services, is the best free credit monitoring service that gives its consumers updates about their TransUnion credit report, and another one of the three major credit bureaus, Equifax. It offers credit reports and account scores and offers free credit monitoring. Affiliates will obtain refreshed credit rates weekly and are informed about any modifications that transpire on their TransUnion report and Equifax report. 

Instead of presenting consumers with a conventional credit report, Credit Karma preferably provides a venture feed, which affirms transactions that transpired on your TransUnion and Equifax credit reports. Credit Karma has no trial subscription and you'll never have to give your credit card number

You can likewise inspect limits and balances in your prevailing credit records, which are arranged for you in a table on the view of your dashboard. The setting concentrates more profoundly on your “Credit Report Card,” which is a graph it works to reveal to you how thoroughly you are arranging based on portions that generally influence your account score, as well as account status.

Credit Karma

As being said in the segment above, it is dangerous not to receive your complete three-bureau account statements and rates since you will not understand a complete view of your account with merely your TransUnion and Equifax data. With this in mind, Credit Karma strives to amends for this by enabling you to associate your fiscal records to your biography so it can inform you of any unusual venture and secure “credit report precision.” Even if this is valuable, you, however, will not receive a complete, detailed view of your account health since it needs recording from Experian credit. I suggest a more healthy balance report watching assistance if you are seeking for adequate identity theft security, which you can get with a paid credit monitoring services.

Along with browsing the online shady dealings for application of your private data, these settings also grant analysis specialists in the matter that you are a prey of identity theft and data breach. This identity theft insurance is helpful as the world transitions to online data, and more information can be susceptible to the both public and dark web at any given time, because it has dark web surveillance.

Registering for this best free credit monitoring service is simple and needs fundamental data, such as your social security number, name, and residence. The assistance asserts that it does not save your social security number; preferably, it is solely applied to recover your initial balance score. You likewise hold the choice of accessing your yearly family assets and periodically family interest, which Credit Karma will utilize to give you a more developed credit report statement and savings information, plus an individualized credit card proposal and credit files. The latter portion of the registration procedure is a quick poll of multiple-choice inquiries employed to verify your personality.

Credit Karma Pros

  • Free hebdomadal updates
  • Analysis of credit health
  • Notifications regarding monthly credit score fluctuations

Credit Karma Cons

  • Distracting loan offersDeficiency of identity theft assurance

7. Privacy Guard


PrivacyGuard gives an awesome collection of perks and points that other credit monitoring companies don't offer. This assistance polishes by refreshing your three bureau balance scores and statements periodically for a mere monthly fee of $15. It doesn’t simply end with credit information, though. This service covers an extensive assemblage of data, fiscal calculators, and identity theft security points, emphasized by its addition of Norton Internet Security Online.

Privacy Guard logo

It gives an excellent work of creating your account data in a readable arrangement. The setting surpassed merely providing you the details by supplying you with profoundly thorough descriptions of your scores.

It describes both constituents that are boosting your score and agents that are damaging it. It likewise provides a comprehensive analysis of the differences in your credti report statement beyond the three distinct agencies. This data can be extremely valuable in identifying inaccurate knowledge that one of the authorities might have on record.

It grants some valuable additional perks and accessories, such as various financial calculators. It likewise incorporates community statements (which carry data such as pollution measurements, crime rates, demographics, home values, and others) for practically every community in the country, payment for entree to your chauffer's account and pharmaceutical documents and secure space for your bank card, bank account numbers and other fiscal record data. This space enables you to instantly obtain your records online, must your purse be seized, or you are contrary without entree to that data.

You likewise obtain an outstanding 'suppose' simulant that will evaluate how your scores may vary if you used several steps like wasted stocks or had a credit request. The setting then gives a particular illustrated description of how your account scores might shift across time. This credit bureau's Score Tracker column presents a diagram explaining how your credit scores have shifted over time so you can view your development and distinguish inclinations in your credit account. Generally, PrivacyGuard’s credit data and devices are incomparable.

Privacy Guard Pros

  • Overseeing of all 3 main credit agencies
  • $1 free tests are possible
  • Identity theft insurance restoration support

Privacy Guard Cons

  • No lost wallet compensation
  • Absence of identity theft restriction points


What Are Credit Bureaus? 

Credit bureaus are credit reporting agencies (CRAs), which collect and maintain your credit information. There are three major credit bureaus - Experian, TransUnion, and Equifax. These are the top three credit bureaus being used by people around the United States.

What Is Credit Monitoring?

Credit monitoring comprises a periodic analysis of credit reports for correctness. What credit monitoring firms make is track your credit outline (record and summary) for variations, which can be a warning your bankings are being oppressed. This is one of the most reliable means to detect occurrences of scam quickly.

A credit bureau can extend identity theft security and added assistance likewise. A credit report is an affirmation of your credit records and debt accumulated by a credit committee. Your credit report will cover articles regarding your bills, student loans, and bank cards.

credit monitoring

What Are Identity Thieves Looking For?

Identity thieves utilize a range of personal data and they can come from the dark web which makes your information more vulnerable than ever. This personal information is frequently obtained and marketed by offenders on the hidden net. The dark web is whichever site web-based not accessible by web browsers. Not all pages on the dark web are pith for dirty deeds, though the obscurity of it urges criminals to apply it when striving to obtain your personally identifiable information.

Some of these bits of data are even-break for an identity thief; however, several are more relevant than others: rewards account numbers, usernames and passwords, Social Security card, driver’s license number, credit card numbers, date of birth, SSN, and so forth.

How Can the Best Credit Monitoring Services Protect My Existing Accounts?

It has some excellent identity theft security interests, comprising utilization tracking. This assistance recognizes if your private data is being utilized to connect for wireless labor, consumer credit monitoring services, check requests/reorders, and debt investments. You will obtain instantaneous informing, authorizing you to do something if required, so false statements can be close off instantly before a loss can transpire through these credit monitoring products. All in all, the best credit monitoring services track any changes involving key credit activities and provide account takeover alerts.

It examines the hidden net for some usage of your bank card figures, social security number, driver’s license, and email tracks data-sharing pages for the application of your private data, and gives inspection of civil and government reports — informing you if your personal information is located.

How Do You Choose the Best Credit Monitoring Service?

As information ruptures, hijacking frauds and other financial situation and plans remain to grow in regularity; it’s getting more prominent than ever that customers guard their information and take preemptive actions to secure their budgetary future.

I simply suggest studying for these articles that are given by the best credit monitoring services:

  • Accessibility of ID theft security
  • Acquire regular credit score updates together with credit reports
  • An automatic mobile app that is accessible on Android and iOS 
  • Capacity to feud credit report details
  • Credit scores emulator with recommendations for the development
  • Great customer service that is sensitive to your demands and interests
  • Identity theft informs nonstop a day
  • Money control emphasizes like alarms, budgeting, and bill reimbursement
  • Other specialty scores like hiring risk score and auto insurance
  • Tracking from all three credit bureaus rather than merely one
About Lawrence Jung

Lawrence graduated cum laude from Boston University with a B.S. in Journalism. He then started working with The New York Times for 3 years as an editor. Upon their acquisition of online review website the Wire Cutter he became exposed to the digital world of review-style articles and digital content. He was a writer for many tech review products where he developed his expertise in the electronic and PC peripheral space. He quickly got promoted to managing a writing team where he was responsible for training and managing a team of over a dozen writers. After being there for another 3.5 years, Lawrence left in late 2019 to help Dusan create VSS Monitoring, where he could help design and contribute to the site’s content and website’s architecture to develop what he wants to become THE top tech resource online.