4 Tips on
Choosing a Credit Monitoring Company Although US citizens are entitled to receive free credit reports every year from the three major credit bureaus, many people don't even know they have the option, until something goes drastically wrong.
In
choosing a credit monitoring service, you want to be certain you completely understand the terms of the service and how it works.
Not exact matches
However you
choose to do it, the fact of the matter is that you should be
monitoring your
credit reports and scores and you should be doing so frequently.
Choosing between a paid or free
credit monitoring service should come down to how much protection you feel you need.
Regardless of the strategy you
choose, the first step is knowing exactly what's on your
credit report and
monitoring it on a monthly basis.
If you still need help, we put together some of the best
credit report
monitoring services for you to
choose from:
Some consumers prefer to
monitor their
credit reports and personal information by themselves; others
choose to purchase a service to handle some of the tasks.
However, if you wish to keep even better tabs on your
credit reports, you can
choose to use a more comprehensive solution which gives you more frequent reports, along with optional
monitoring and additional features.
You can
choose among these 4 products, analyze their
credit monitoring reviews, and go ahead and decide what
credit monitoring service is best for you.
Reading
credit monitoring reviews are a good way to help you find and
choose the best
credit monitoring service.
I
chose to sign up for Experian.com to get an idea for my
credit score, and Truecredit.com was the first
credit monitoring service I subscribed to before learning they did NOT use the same scoring formula that its used for the FICO score.
With this, you'll receive free access to your Equifax
credit report,
credit file
monitoring for all 3
credit bureaus - Experian and TransUnion are the other two, Equifax
credit report lock if you
choose, social security number
monitoring, and identity theft insurance.
Whether you pay someone to
monitor your
credit reports or
choose to do it yourself, the more proactive you are and take preventative measures ahead of time, the less likely you will be to fall victim to identity theft.