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Credit Monitoring Services - Comparing Credit Monitoring Offers 

Credit Monitoring is Essential to Credit Repair

Last Updated: April 6, 2017

If you are in the process of repairing your credit or want to start the process, it is very important to use some type of credit monitoring program. This way you can see if items are coming off of your report or if there are new negative items being added. There are a lot of credit monitoring offers out there and choosing the right one can be difficult. So, we have done all the homework for you and put together this comparison guide to help you make sense of the most popular offers available. 

Free Credit Monitoring Sites

Reviewing your credit reports once a year is helpful, but it is really the bare minimum you should be doing on a regular basis. That’s why it’s a good idea to supplement getting your yearly credit report from AnnualCreditReport.com with one or more subscriptions to free credit monitoring sites. Here’s a list of the top sites for monitoring your credit reports, as well as your credit scores (VantageScores, not FICO).

By the way, Credit.com and Credit Sesame only show you a “Credit Report Card” for free; to see the full credit report through these sites, you’ll have to pay a fee. Quizzle also charges a fee for upgrade plans.

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Credit.com

*For a fee, you can see your full Experian credit report through Credit.com. (See details in “For a Fee” section below.)

Credit Karma

Credit Sesame

*For a fee, you can see your full Experian credit report through Credit Sesame. (See details in “For a Fee” section below.)

myBankrate

My.CreditCards.com

Quizzle

*For a fee, you can see credit reports through Quizzle more frequently. (See details in “For a Fee” section below.)

WalletHub

NOTE: If you’re only going to subscribe to one of these sites, make it Credit Karma, as they show you credit reports from both TransUnion and Equifax. But it’s worth signing up for Credit.com, too. Even though the free option only includes a “Credit Report Card,” you at least get insight into your third credit report (and score) – from Experian.

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Credit Monitoring For a Fee

The following sites offer free services (as listed above), but if you want to see your entire credit report through Credit.com or Credit Sesame, it’s going to cost you. The same is true if you want to see your credit reports more frequently through Quizzle.

Credit.com -- $21.95/month*

*Start 7-day trial membership for $1. If you don’t cancel before the 7 days is over, the subscription kicks in for $21.95 a month.

Credit Sesame – $9.95 to $15.95/month

Quizzle – $8 to $15/month

NOTE: We do not recommend any of these paid services. You can see your full Experian credit report for free through Experian CreditWorks Basic. You can see your full TransUnion credit report for free every 7 days through Credit Karma (as well as Equifax). WalletHub updates TransUnion credit reports daily. And as for your FICO Score, you can see that for free through Discover Credit Scorecard.

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Credit Bureaus Offering Credit Monitoring For a Fee

The following list may be a bit overwhelming and if so, you can skip it. We don’t really recommend any of these paid services but if you feel so inclined to use them, feel free to review these offers.

Experian

Experian CreditWorks 1-Bureau Credit Monitoring -- $21.95/month*

*Start 7-day trial membership for $1. If you don’t cancel before the 7 days is over, the subscription kicks in for $21.95 a month.

Experian CreditWorks 3-Bureau Credit Monitoring -- $24.99/month*

*$4.99 your first month

Experian 3-Bureau Credit Monitoring -- $39.95 one-time fee

Equifax

Equifax Complete Premiere Plan -- $19.95/month

Equifax Complete Advantage Plan -- $17.95/month

Equifax Complete Family Plan -- $29.95/month

Score Watch 1-Bureau Credit Monitoring -- $14.95/month

TransUnion

1-Bureau Credit Monitoring – $9.95/month

NOTE: Since we have already outlined in previous sections how to see your credit reports for free, there is no reason to pay for them through the credit bureaus. Yes, these paid services give you access to FICO Scores. But you can see your FICO Score for free through Discover Credit Scorecard. And if it’s industry-specific FICO Scores you need, pay for them through myFICO.com (details below).

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Credit Monitoring Offered by myFICO.com

Though it’s never necessary to pay to see your credit reports, it might be worth paying to see your industry-specific credit scores when you’re looking for auto or home financing. In that case, myFICO.com is the way to go.

FICO Essentials 1-Bureau Credit Monitoring -- $19.95/month

FICO Ultimate 3-Bureau Credit Monitoring -- $29.95/month

FICO Score 1-Bureau Report – $19.95 one-time fee

FICO Score 3-Bureau Report -- $59.85 one-time fee

NOTE: Of the four options above, we recommend the FICO Score 3-Bureau Report (for one-time access) or FICO Ultimate (for monthly access you can cancel anytime). The exception would be if you know which bureau a lender is going to check; in that case, 1-bureau credit monitoring may be all you need.

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