The Best Credit Monitoring Services In 2017

Credit fraud & identity theft is extremely serious and unfortunately the amount of reported cases is increasing annually. It’s important to take steps to secure your personal information and to keep tabs of your credit history to ensure there have not been unauthorized accounts opened in your name, or fraudulent use of your credit. One of the best security measures you can take is to sign up for some level of monthly credit monitoring. Knowing that you will be alerted if there are any major changes or discrepancies on your credit report gives you a huge advantage in being able to stop the identity thieves before they do even more damage to your credit. There are dozens of available monitoring companies and services, but we put together a list of what we feel are the best credit monitoring services on the market today. Each one has slight differences in the coverage and features they provide and the monthly fee varies based on the plan level you choose. We suggest you compare 2 or 3 plans that have the features you want and choose the one with the price that best fits your budget.


1. IdentityGuard.com 

We’ve reviewed over a dozen monitoring services and IdentityGuard is by far the best in class identity & credit monitoring service on the market today.  If you want a superior monitoring service, but need a cheaper solution than the LifeLock plans, IdentityGuard is your top choice. You get access to all 3 of your credit scores plus credit reports with complete analysis of possible identity & credit threats.  Receive immediate email alerting and Identity Guard’s “Lost Wallet Protection“, which gives $1 million in identity theft coverage (no deductible), as well as 24/7 award winning customer support and you have an excellent monitoring service at an affordable price.  The Identity Guard plan is free for 30 days & $16.99 monthly for a full plan subscription. — Click Here to Get Started

3 Bureau Credit Monitoring Identity Theft Loss Insurance
3 Bureau Credit Report Personal Recovery Assistance
Credit Scores All 3 Scores ID Verification Alerts
Credit Score Updates 3 Scores‚ Quarterly Lost Wallet Protection
3-Bureau Credit Analyzer Public Record Report
SSN Number Monitoring Keystroke Encryption Software
Computer Protection Software Child Identity Theft Protection

 


2. LifeLock.com

LifeLock is our next top pick, because of its combination of superior monitoring, price & features  Their comprehensive service features a five point plan that monitors your credit score, credit report and your identity for threats and unauthorized account activity.  When threats are discovered, LifeLock sends you and immediate alert via text, email or phone, so you can investigate and take prompt action.  With the addition of LifeLock Junior, you can also monitor your children’s credit reports for fraud.  We know that this service is slightly more expensive than some of the other monitoring plans available, but we give LifeLock high marks for service, value and customer service.  You won’t go wrong with this plan for full identity theft monitoring coverage hands down. Try LifeLock Free for 30 Days + 10% Off Your Final Purchase of LifeLock ULTIMATE. Expires June 30th — Click Here

3 Bureau Credit Monitoring Identity Theft Loss Insurance
3 Bureau Credit Report Personal Recovery Assistance
Credit Scores TransUnion Only ID Verification Alerts
Credit Score Updates 1 Score ‚ Monthly Lost Wallet Protection
Change of Address Alerts Public Record Report
SSN Number Monitoring Keystroke Encryption Software
Computer Protection Software ID Vault Password Protection Software

 


3. IdentityForce.com 

 

3 Bureau Credit Monitoring Identity Theft Loss Insurance
3 Bureau Credit Report Personal Recovery Assistance
Credit Scores All 3 Scores ID Verification Alerts
Credit Score Updates 1 Score ‚ Monthly Lost Wallet Protection
Change of Address Alerts Public Record Report
SSN Number Monitoring Keystroke Encryption Software
Computer Protection Software ID Vault Password Protection Software

4. TransUnion Credit Monitoring 

The Official TransUnion credit monitoring gives you total control of your TU credit reports as well as up to one million dollars in ID fraud insurance should your ID be stolen while on their plan.  You get peace of mind knowing you have a monitoring plan with a national credit bureau, plus with Automatic Fraud Alerts, you receive notification of any major changes to your three credit reports free of charge.   but it’s a solid service from a trusted name. Sign Up for a Free 7 Trial & Get You Credit Score for Free Instantly. TransUnion Credit Monitoring

3 Bureau Credit Monitoring Identity Theft Loss Insurance
3 Bureau Credit Report Personal Recovery Assistance
Credit Scores TransUnion Only ID Verification Alerts
Credit Score Updates 1 Score ‚ Unlimited Lost Wallet Protection
Personalized Debt Analysis   Credit, Debit & ATM Card Protection
SSN Number Monitoring Automatic Fraud Alerts
Computer Protection Software ID Vault Password Protection Software

5. MyScore.com 

MyScore.com  is not just a credit score & report service.  Their credit reporting and monthly monitoring plans give you invaluable tools to keep track of your financial profile. Credit report information is provided by TransUnion, however your credit monitoring will include all three credit bureaus for additional fraud protection with email alerts when changes are detected.  You also receive unlimited access to your credit history and credit score. The free trial is 7 days and there are 3 monthly plans you can choose from if you’d like to gain full membership.

3 Bureau Credit Monitoring   Identity Theft Loss Insurance
3 Bureau Credit Report Personal Recovery Assistance
Credit Scores All 3 Bureaus ID Verification Alerts
Credit Score Updates 3 Scores ‚ Unlimited Access Lost Wallet Protection
Online Debt Analysis Credit, Debit & ATM Card Protection
SSN Number Monitoring Automatic Fraud Alerts
Computer Protection Software ID Vault Password Protection Software

 

What Credit Monitoring Services Really Do

Did you know that social security numbers can be guessed by simply knowing someones birth data.  It may be a scary thing to have to realize, but it’s true according to researchers at Carnegie.

Are you thinking of subscribing to an identity & credit monitoring service (stopidentityfraud.org)? Given the growing crime rate of identity theft, it is definitely wise to take this particular actionIdentity theft monitoring is a mechanism that helps us effectively prevent incidences of identity theft . And identity theft monitoring prevents internet fraud and also helps you protect your personal information.Most often, identity theft occurs whenever the user’s personal information is compromised.

In fact identity theft usually involves using the victim’s personal information to commit frauds.There are some guidelines that can help us prevent identity thefts; these guidelines are useful to minimize the potential damage that can occur from identity theft:

1) Blocking disclosed credit card numbers is a part of identity theft monitoring process.

2) Monitoring credit reports is necessary to monitor identity theft.

3) Contacting government agencies is another way to prevent identity theft; this will also prevent the assailant to use licenses or credit cards.There are many symptoms of identity theft such as:

a) Getting late or missing bills
b) Sometimes receiving an unknown credit card bill is another symptom of identity theft.
c) Other symptoms of identity theft include being contacted by unknown debt collectors or receiving bills for purchases that you have not made.

There are some steps that are necessary to minimize and prevent identity theft, these preventive measurement are known as identity theft monitoring mechanisms.

Identity theft monitoring includes a method that will help ensure that identity theft will never occur in future. There are many measures that help to prevent identity theft such as securing Social Security number (SSN), credit card numbers or other personal information.

These preventive measures will help to tackle fraud or other identity theft crimes.Identity theft monitoring includes the thorough verification of your personal accounts, which also cover all your credit card accounts. If identity theft occurs then it is necessary to close the credit account immediately. Consulting with financial institutions and banks is one of the best way to prevent identity theft.

Changing passwords of credit cards and ATM cards frequently is another way to prevent identity theft. Avoiding parents names, date of birth and last digit of social security number in passwords to aid the process of identity theft monitoring.Identity thefy can be even be done by using anybody’s social security number which is generally a four-digit number. If this happens, then it is necessary to inform one of the three nation wide consumer reporting companies.

Placing initial fraud alert is part of Identity theft monitoring process, this will restrict the fraudster from opening a credit account by using a duplicate name. This alert will stays on credit card report for 90 days.Monitoring suspicious activities are also part of Identity theft monitoring process. This process includes checking accounts that have never been accessed previously, debits on such accounts that cannot be explained and inquiries from unknown companies.

Sometimes checking name, surname, and social security number and employers name is also important to monitor identity theft.Putting a flag on file can be a part of Identity theft monitoring mechanism, which will prevent anyone else from getting duplicate license or other authorized documents.

Carefully reading and monitoring credit card reports and financial statements is also part of Identity theft monitoring system. This is useful to prevent and tackle identity theft. Many financial companies and insurance companies are offering identity theft insurance, which cover every aspect of identity theft.