What is the best credit monitoring service? Find the answer in our blog. Best credit monitoring companies reviewed and ranked by our experts.
In recent years, security breaches and hacks have become more common than ever and as a result, identity theft has become a very real problem that keeps many Americans up at night. One of the ways to protect yourself from identity theft and feel safe every day is to use a credit monitoring service that alerts you to any signs of fraud as soon as they are detected. There are lots of websites out there that offer these services with different features included and at different price points, but here are our picks for the best credit monitoring services out there:
Identity Guard – the best credit monitoring service according to experts
According to financial experts, Identity Guard is the best credit monitoring service available on the market. This company offers several plans at different price points: the Individual Total and Premier Plans cost $19.99 and $24.99 respectively. For this sum, you get three credit bureau credit report monitoring, a monthly credit score update and continuous monitoring of different databases for your Social Security number and other personal information. The cheapest option is the Value Plan, which costs $8.99 a month and only includes personal information monitoring without credit reports or credit score updates. Identity Guard also offers family versions of all the plans in case you want to protect your children’s personal details as well.
LifeLock – the best credit monitoring company for identity theft protection
If your primary goal for using the services of a credit monitoring company is to protect yourself from identity theft, consider using LifeLock. Under the Standard and Advantage Plans, which cost $8.99 and $17.99 a month respectively, the company continuously monitors bank account and credit card applications for the use of your personal information, plus, it checks black markets for your ID and info. The Advantage Plan also includes one free credit report from one agency a year, notifications of data breaches and some other features. The Ultimate Plus Plan, which costs $26.99 a month, provides free annual credit reports from three credit bureaus, monthly free credit score updates and more. The company also offers a LifeLock Junior feature, which allows you to pay extra to add children to your identity protection plan.
IndentityForce – a high-quality credit monitoring service
IdentityForce is another great platform that offers credit monitoring and ID protection services at an affordable price. There are two plans available for you to choose from: the UltraSecure+Credit plan costs $19.99 a month, while the cheaper UltraSecure plan costs $12.99 a month. The first plan includes credit report monitoring with all three major credit bureaus, email notifications when something new appears on your reports and ID protection through court record monitoring, checking of payday loan applications, credit reports, etc. IdentityForce also offers the Child Watch add-on to the plans to protect your children from identity theft.