Credit Report & Score Monitoring Reviews & Prices

If you need to access your credit score or credit report, there are many credit monitoring services available.  How do you decide which service to use?  At first glance most of the monitoring services are very similar; however has evaluated the different products and compiled a list of the services with the best features and value for money.  We have highlighted the best credit report monitoring services, the ones that are run by the most reputable companies and provide the best features, such as email alerts within 24 hours of a change to your credit report.  So if you are looking for free credit scores, why not take the no obligation trial and sign up to access your credit score and credit report today.  With the option to cancel before the trial period ends, you have nothing to lose.  Have more questions about credit reports, credit scores or credit report monitoring?  Then contact us here.

Credit Report & Score Monitoring Reviews & PricesUpdated 10-30-2011
Service Name Free Credit ScoresTrial Period And PriceCredit Reports MonitoredID Theft Insurance Or GuaranteeBottom Line Rating

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TransUnion7-day free trial; $17.95/monthAll 3 bureaus' reports (Experian, Equifax & TransUnion)$1,000,000Many free additional services for the same price as other competitors.

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Depends on subscription level7-day free trial; 3 monthly options with varying servicesAll 3 bureaus' reports (Experian, Equifax & TransUnion) $1,000,000You can pick and choose the service that fits best with your needs. Affordable and flexible plans. Roadside assistance and shopping discounts also included with some plans.

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Free scores from all 3 bureaus$1 for 7-day trial; $29.95/monthAll 3 bureaus' reports (Experian, Equifax & TransUnion)$50,000Access all 3 credit scores free; ID theft services are more inclusive at other companies, but this company excels at credit monitoring and credit report updates.

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TransUnion7-day free trial; $17.95/monthAll 3 bureaus' reports (Experian, Equifax & TransUnion) $1,000,000Affordable service with standard service options but less customer service support.

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TransUnion7-day free trial; $29.94/monthAll 3 bureaus' reports (Experian, Equifax & TransUnion)$1,000,000Comparable to standard services of other providers but higher priced. Less flexibility with plan options.

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Experian EquivalentExperian's National Equivalency Score provided for FreeExperianNoneVery basic monitoring service. There are more comprehensive products on the market.

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Experian7-day free trial; $14.95/monthExperian - Free. All three bureaus for an additional fee $50,000Very good service, but you must pay for additional bureaus. Other companies include 3 bureaus as standard for almost the same fee.

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Provides credit scores from Equifax, TransUnion & Experian once annually No trial period. Basic Plan: $16.95/mo Advanced Plan: $19.95/moEquifax, TransUnion & ExperianBasic Plan: $25,000. Advanced Plan: $1,000,000 Basic: Adequate service that meets the needs of most consumers. Advanced: Offers enhanced options for customers who need a bit more protection. Both plans provide value for money.

TransUnion Review: Credit Report Monitoring

TransUnion is one of the big three firms that provide credit reporting services to consumers and the financial services industry. They offer credit monitoring services to the general public as well as access to your credit scores, identity theft protection and alerts. They also have a bonus service that can monitor your financial accounts for fraud. In case you’re unsure about them, they offer a free trial to try out their services before you commit to a long term relationship with them. TransUnion is a powerhouse in the credit report and monitoring industry and their services live up to their reputation.

Try Before You Buy

The free TransUnion credit score & $1 credit report are available as part of a 7-day trial. You may cancel at any time during the trial period. At the end of your 7-day trial, you will be billed $17.95 per month.


Basic Plan – $17.95 per month

Includes 3 bureau monitoring, TransUnion credit score, instant alerts and TrueIdentity protection.

Premium Plan – $29.95 per month

Includes all the features of the basic plan and TranUnion Plus services to help you with financial accounts protection and monitoring.

Member Benefits

  • 3 Bureau monitoring.
  • Transunion credit score.
  • Unlimited access to updates of your Transunion credit report and credit score
  • Credit protection, including Instant Alerts – emailed the moment TransUnion finds out someone applied for credit in your name.

Identity Theft Protection

Identity theft is an increasingly common occurrence in today’s world. TransUnion gives you piece of mind in this area with a proprietary service called TrueIdentity which monitors several high risk areas for possible breaches of your personal information. These include:

  • Court records
  • Change of address
  • Non-credit loan applications
  • Unusual changes to your credit report
  • Lost wallet assistance
  • Identity restoration services
  • Neighborhood monitoring

You also have the option to upgrade to TransUnion Plus Money Manager where you can view and track all your spending, savings and daily account transactions which are updated every 24 hours. Account types include:

  • Bank accounts
  • Investment accounts
  • Brokerage accounts
  • Auto, student or real estate loans
  • Credit cards
  • Utilities and more

If all that wasn’t enough, they have excellent protection for their members which includes up to $1,000,000 in identity theft protection insurance in the event that something does happen.


You can contact their support team through their website, call them at 1-800-888-4213 or write them at:

TransUnion LLC 2 Baldwin Place P.O. Box 1000 Chester, PA 19022

Bottom Line

TransUnion has more to offer than their competitors and it’s no surprise since they are one of the largest credit reporting agencies. Their plans include all of the features that you’ll find with other providers like 3 bureau credit monitoring and credit score checks but they also offer a few bonus features that I haven’t seen everywhere. Their TransUnion Plus service and TrueIdentity services seem to be above and beyond what you can find at other competitors sites. You can also be sure that Transunion will be around for a long time and will be there to assist you if anything does go wrong with your credit report or identity.

| Compare to Other Credit Report Monitoring Services Review: Credit Report Monitoring Review: Credit Report Monitoring provides members with instant, unlimited access to their official credit score, as well as 24/7 monitoring and automatic email alerts at all 3 credit bureaus: TransUnion, Experian and Equifax. members enjoy the ease and convenience of being able to access and review their credit information anytime they need to. What’s more, members are kept up-to-date about their credit status because they are alerted via email whenever there’s a critical change to their credit information at any of the three credit bureaus. Members also have access to a variety of other benefits, including a credit fraud consultation service, 24/7 roadside assistance, and the Pro-Rewards program.

Try Before You Buy

When you order your $1 Credit Report you will also get access to your free credit score and start a 7-day trial. After the trial, membership is $29.95 per month until you call to cancel. You are able to choose different monthly plans but you will initially be defaulted to the highest plan to start if you do not call to change it.


  • $9.95/mo. Basic Credit Membership – allows access to your TransUnion credit report and score for $6.95 and includes daily monitoring of the other two bureaus scores and reports. Also includes 24/7 roadside assistance, free credit fraud consultation, instant alerts, Pro-Rewards benefits and more.
  • $16.95/mo. Premium Credit Membership – includes unlimited access to your TransUnion credit report and score with daily monitoring of the other two bureaus scores and reports plus all the other added benefits offered in the basic plan.
  • $29.95/mo. Ultimate Credit Membership – includes unlimited access to all 3 bureaus credit reports and scores plus all the other added benefits offered in the basic plan.

Member Benefits

  • 3-Bureau Credit Monitoring and Alerts protect you against identity theft and fraud 24/7.
  • Get instant notification of suspicious activity, like new accounts opened in your name or other signs of fraud that could ruin your credit if left undetected.
  • Access to credit scores depending on the plan type.
  • Licensed specialists will help resolve the problem and let you relax.
  • Pro-Rewards program with exclusive access to free products, coupons and more.
  • 24/7 roadside assistance.


You can contact their support team by calling them at (877) 834-2830.

Bottom Line offers different tiers of pricing with options for the plan that you need to fit your budget. They also have some added benefits with their roadside assistance and Pro-Rewards member benefit programs. They offer many standard benefits of other monitoring services and also will send you alerts if there are any changes to your credit report.

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Credit Review: Credit Report Monitoring provides consumers with access to their credit reports and scores, a credit monitoring service, as well as easy and inexpensive access to credit profiles.  As a member of the Experian family, you could say that is the daughter of and granddaughter of Experian.

ConsumerInfo has been in operation since 1995.  While Experian, with a presence in over 60 countries, has been around for even longer.  As an industry leader, Experian has delivered over 20 million credit reports to over 3 million members.

The main aim of is to provide products and services that help individual consumers understand their personal finances and provide access to monitoring services for consumer peace of mind.  The latter is the key to identifying abnormal activity quickly which is essential in preventing fraud.

The information available through is also useful, as it tells you where you stand financially in one simple number – your credit score.  This magic number will determine whether or not you qualify for a loan or credit card, the interest rate you are granted and sometimes even if you make the shortlist when applying for a job.

7-Day Trial

If you want a peek at the service without any major commitment, you can purchase a 7-Day trial membership for just $1.  Just to add the feel good factor, that $1 is actually donated to, an online charity that offers funds to classrooms in need.

With this 7-Day ‘peek’ you will not be restricted in anyway.  You will have unlimited access to your credit report, credit score  and the credit monitoring service for 7 days, as well as daily monitoring of your credit reports from the main three credit bureaus:

  • Equifax
  • Experian
  • TransUnion

Your trial membership at also provides unlimited access to an analysis of your credit history and email alerts whenever there is a change to your credit history.  These changes could range from late payments to a credit card charge dispute.

You may cancel anytime within the 7-Day period without charge.

Another benefit of is that you can sign up for the website’s newsletter and you don’t even need to be a member.  This newsletter offers credit-related news and tons of beneficial information regarding credit and related topics such:

  • How to raise your credit score
  • How to avoid becoming a victim of credit card fraud or identity theft.


Main Membership Benefits

If you do decide to sign up for a full membership, you will need to part with $29.95 every month.  If after signing up you decide the service is not for you, you can cancel at anytime.  Cancellation does not mean all ties are cut however; you will still receive daily as well as bi-monthly credit monitoring and alerts.

Other benefits of the service include:

– Fraud resolution support

This service offers access to representatives who can assist you if you become a victim of identity theft. With this service, you could be eligible to receive a customized fraud resolution kit, as well as access to a toll-free number where support staff will walk you through identity theft resolution options. The staff can even help you place a fraud alert on your credit report.

– $50,000 product guarantee

If you fall victim to identity theft because of the failure of to provide identity protection services, the company will reimburse you up to $50,000 for expenses incurred that are directly related to your identity theft and/or its resolution.  Please note that you have to prove you were actively using the service as described in their terms and conditions for this to apply.

– ChildSecure

With this service, you can enroll any/all eligible children and will be on the alert for any credit applications or use of their personal information.


Member Support provides a fairly in-depth FAQ database on their website. If you have more complicated questions, or prefer to speak with a live representative, offers both telephone and email support.

The Bottom Line is most beneficial if you want to access credit monitoring services and regular updates of your credit score.  If you want a more all encompassing identity theft protection/resolution service then there are other products in the market that protect against the various elements of identity theft.

For example, if you want protection that will recover lost or stolen debit and credit cards, with, you will need to sign up for the CardSafe program which is an additional $19.95 per year in addition to the regular monthly membership.  Other services offer this protection and more as part of the package for a comparative cost.

Overall, the company offers a great credit monitoring service for the price and there is ample customer support to assist you along the way.

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Go Free Credit Review: Credit Report Monitoring

Go Free Credit is a company that provides credit monitoring services from all 3 credit reporting bureaus as well as access to your real time credit scores. In addition, they offer identity theft protection of up to a million dollars. If you’re concerned about your credit or just want to pay for a service to monitor your score, then Go Free Credit is a viable option.

Try Before You Buy

With Go Free Credit, you get a free TransUnion credit score and $1 credit report as part of a 7-day trial of their credit monitoring service. At the end of your 7-day trial, you will be billed $17.95 per month. You can cancel at any time. You won’t receive credit monitoring for Experian or Equifax until the trial period is over. You may cancel at any time during the trial period

Full Member Benefits

Go Free Credit offers many standard credit monitoring services but for a little less than their competitors. Your $17.95 per month membership gets you all of the following benefits:

  • Unlimited Access to your TransUnion Credit Report and Score
  • Email alerts for critical changes to your Credit Report
  • 3 Bureau monitoring through TransUnion, Experian and Equifax
  • Real time credit score from TransUnion

Identity Theft Protection

Identity theft is an increasingly common occurrence in today’s world. There’s not much to worry about if you use Go Free Credit. They have very good protection for their members which includes up to $1,000,000 in identity theft protection insurance through their TransUnion credit monitoring service


You can contact their support team via email at or send them mail to 2121 Rosecrans Avenue Suite 1300, El Segundo, CA 90245.

Bottom Line

If you are looking for a basic service that will monitor your credit score and reports then Go Free Credit is an affordable choice. You can also try it out for free during the 7-day trial and decide if you like it and want to continue your membership.

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Your Score and More Review: Credit Report Monitoring Review: Credit Report Monitoring

YourScoreAndMore is a consumer credit management and protection service company. They provide credit scores, consumer credit information, and identity theft protection services, which empower you to make informed decisions to improve and protect your finances. Their services help you to track and manage your credit behavior, identify potential credit fraud and identity theft risks and get a competitive advantage when negotiating interest rates on credit cards and loans.

Your membership also includes comprehensive educational information and advice on how to safeguard your credit and identity. When the information in your credit report and score is combined with their education tools, identity restoration services, and excellent customer support, you get a comprehensive suite of credit and identity protection services.

Try Before You Buy

The free TransUnion credit score & $1 credit report are available as part of a 7-day trial. You may cancel at any time during the trial period. At the end of your 7-day trial, you will be billed $29.94 per month.


$29.94 per month

Includes your free credit score, access to credit reports from Experian, Equifax and TransUnion as well as monitoring and alerts to warn you if someone is trying to steal your identity.

Member Benefits

  • 3 Bureau monitoring.
  • Free credit score.
  • You’ll also get email alerts when there are key changes like new accounts and delinquencies, to any of the 3 Credit Reports from TransUnion, Experian or Equifax.
  • You’ll receive a complete suite of credit and identity protection tools to monitor your bank accounts, credit cards, social security number and more.
  • $1,000,000 in identity theft insurance protection.


You can contact their support team through their website, call them at (888) 387-0890 or write them at:

5951 Encina Rd., Suite 208
Goleta, CA 93117

Bottom Line

YourScoreAndMore offers standard services as compared to their competitors but at a much higher price point. They don’t have a variety of pricing plans to choose from like some of their competitors which makes it a one size fits all solution. In addition, they don’t make it easy to find out much more information about them. For this price, there are competitors who offer many more benefits ranging from shopping rewards malls to roadside assistance and additional financial services. This would make it seem that this company is not the best deal in the market place even though they offer many standard services in the industry and have good customer service options.

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Credit Sesame Review: Credit Report Monitoring

Credit Sesame is a financial company that offers debt management and credit monitoring services.  The company was founded in 2010 and is backed by institutional advisors and venture capital firms.  The aim of Credit Sesame is twofold, the first is to help consumer’s access smarter loans thus saving money and the second is a service that allows you to take control of your credit.  In this review, we will focus on the credit monitoring aspect of Credit Sesame.

So just what does this service entail?  Credit Sesame provides:

  • A free credit monitoring service which is updated monthly
  • Unbiased financial advice which is suited to your unique situation
  • Tools to give you a better understanding of your credit score and overall debt position

Credit Sesame will show you your financial position at a glance.  They do this by analyzing all your debts such as mortgages, credit cards, loans and other debt.  At the end of the analysis, which takes only a few minutes, you will be provided with your free credit score.  That’s right….there is no fee for this service.

There is another arm of Credit Sesame which is to find affordable loans for consumers and when a loan is sold, the company takes a fee from the bank so the credit monitoring service is offered to customers at no charge.

With Credit Sesame, in addition to monthly credit updates, consumers are provided with trending graphs which are very simple to use.  These graphs allow you to track your financial position at any time.

When you sign up for the service you will need to provide basic information about yourself including your social security number.  The company uses the social security number to access your score from Experian.  The company states that it takes security very seriously and uses similar protection products like those used at the major banks.

Things to Note

Credit Sesame does not provide you with a FICO score, instead they use the National Equivalency Score from Experian. In addition, the company does not access information from the other credit bureaus. The FICO score is the score most lenders would use when assessing your credit worthiness, and they are available from TransUnion, Equifax and Experian, the three main credit bureaus.

The National Equivalency Score provided by Credit Sesame is Experian’s version of the FICO score.

Bottom Line

Credit Sesame offers a basic credit monitoring service with the aim of helping you find better loans.  It seems as though loan referral is the main business and the credit monitoring is a free way to attract potential customers.  The company does not access all three credit bureaus and there is no mention of identity theft services.  There are certainly better credits monitoring services on the market.  You may need to pay a small fee for what’s out there, but in return you will get a more comprehensive service.

| Compare to Other Credit Report Monitoring Services Review: Credit Report Monitoring is a consumer credit reporting site owned by  Experian is the parent of both companies. has been in operation since 1995 and serves more than 3.1 million members.

Experian is a major player in the credit industry and the company serves customers in more than 90 countries worldwide. offers credit monitoring, credit score monitoring and a credit score centre where they explain how your credit score works and what factors affect it.


Try Before You Buy offers a free 7-day trial membership when you order a free credit report.  When you sign up you will be required to provide your credit card details, and in order to verify your credit card you will be billed $1.  This fee will be reversed within a few days, so in fact you pay nothing for the trial membership.

If you do not intend to use the membership beyond the 7-day period, you must cancel your membership.  If you do not cancel, you will be charged $14.95 monthly.

During the free trial and full membership, will use your Experian information to calculate your credit score.  The score shown on the company’s home page, monthly statement and score center is also based on the information at Experian.

If you want to monitor your TransUnion and Equifax information you will need to pay a one-time fee for your Three-Bureau Report and Scores.

Full Membership Benefits

If you live in New York you are not eligible for the membership, but as a full member you have a number of benefits available to you:

PLUS score and Experian Credit Report:

The PLUS score ranges from 330 to 380 and it is a score model which was developed by Experian.  While it is not used by lenders for assessing your credit worthiness, it will give you an indication of your overall credit worthiness.

Daily alerts regarding changes to your credit:


One important step in fighting ID fraud is being aware of unauthorized activities.  The daily monitoring alerts will help you identify and address unauthorized transactions quickly.

Fraud Resolution Support: staff is available to assist you if your cards have been stolen or lost.

Product Guarantee

If the products or services of failed, and you or any enrolled children fall victim to identity theft then the company will reimburse you for certain expenses incurred, subject to their terms and conditions.  The guarantee usually covers, stolen funds, legal fees, lost wages, private investigators and other miscellaneous charges.  For a full list, please read the extended terms and conditions to familiarize yourself with what is covered.


Additional Services

For added protection and an enhanced service, the following can be purchased alongside your membership:


This product is designed to protect your child’s credit. For an additional $6.95 per month, will alert you if anyone tries to apply for credit in your child’s name. Only children registered under the ChildSecure product would be protected and the product limits the number to five enrolments.


This is a card registry product that allows to keep a log of your credit cards.  If your cards are lost or stolen then you don’t need to call all the credit card companies, one call to and they will do all the legwork for you.  CardSafe is available for $19.95 every year or just over $1.66 per month.



As a member of , there are a number of methods to access support staff:

  • You can email
  • The customer care team is available to answer you queries at 1-877-300-2506.  The call centre is open Monday-Friday from 6 a.m. to 6 p.m., Saturday- and Sunday 8 a.m. to 5 p.m. Pacific Time

Bottom Line offers a basic credit monitoring service which you can build on by adding additional services for additional costs.  There are other services on the market which offer monitoring of all three bureaus for the price charges for Experian monitoring only.  At the end of the day you will need to decide if you need the basic service or if a more comprehensive product will better suit your needs.

| Compare to Other Credit Report Monitoring Services

Equifax Review: Credit Report Monitoring

Equifax has been in operation for over 100 years and has provided protection services to both consumers and businesses. With over 7000 employees in 15 countries, Equifax has its headquarters in Atlanta. Equifax offers three types of consumer credit services namely the Advantage Plan, the Premier Plan and Score Watch.

The Advantage Plan is the most popular service and it offers the essentials of identity protection and credit monitoring.

Try Before You Buy

If you want to trial this product before committing to a full membership, you will be out of luck. Experian offers full memberships only.

Full Membership Benefits

For $16.95 per month, the Advantage Plan offers the following services:

  • Comprehensive Monitoring of your Experian, TransUnion an Equifax credit reports along with automated alerts when key changes occur
  • Customer service access 7 days a week
  • Profile and credit scores for all 3 bureaus once annually
  • Continual access to your Equifax credit score
  • Simulate the impact of future financial decisions with Interactive Score Estimator
  • Ability to correct errors on your report with the online dispute option.

For $19.95 per month, the Equifax Complete Premier Plan provides the services of the Advantage Plan plus the following:

  • All inclusive protection – assistance in cancelling cards, passports, driver’s licences etc.
  • Automatic Fraud Alert to help you detect possible identity theft
  • Ability to lock your Equifax credit report. This blocks creditors or lenders from accessing your information until you want them to
  • Web Detect – monitors Internet sites and alerts you when your information is traded online. Please note that as Internet trading sites change their addresses often, WebDetect may not be able to search every site, so there are no guarantees all traded information would be monitored.
  • Fast pay plan option – this helps you reduce debts faster by using the information on your Equifax report
  • Score monitoring from your Equifax information

Identity Theft Protection

Under the Advantage Plan, Equifax offers identity theft protection insurance up to $25,000. The Complete Premier Plan however offers up to $1 million identity theft insurance. This insurance reimburses you for certain losses and expenses associated with ID theft. It is best to read all the terms and conditions of the plan to ensure you know exactly what is covered.

Additional Services

Equifax offers an identity report which costs $9.95 for unlimited 30 day access. This report allows you prove your own credit worthiness or view that of others. This is particularly useful when doing private leasing, sale or purchase transactions. You are in full control of what information you share so privacy is maintained.


There are several options to contact Equifax support staff. Consumers can initiate disputes, freeze credit files and log into the member center and read frequently asked questions all online. For customers who still use snail mail, post should be addressed to Equifax Credit Information Services, Inc. P.O. Box 740241. Atlanta, GA 30374.

Bottom Line

For the budget conscious who need a basic working service, the Complete Advantage plan is very adequate and is the most popular service amongst consumers. If you want to benefit from additional protection and a higher identity theft insurance payout, for $3.00 extra the Premier plan is certainly worth looking into.

Both products monitor all three bureaus which is the best option, however the final decision really depends on what consumers need.

| Compare to Other Credit Report Monitoring Services

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