Top Credit Monitoring and Free Credit Report Services

Jun 29th, 2009 | By alex | Category: Financial

I am interested in getting signing up for a credit monitoring service as well as getting a free copy of my credit report. Could you recommend some credit monitoring and free credit report services to me?

A credit monitoring service is a great idea since you get alerted of any changes to you credit report within 24 hours. This allows to you spot any mistakes or even signs of fraudulent activity right away before they can cause long term harm to your credit history. If you are just looking for a free credit report, a good idea is to sign up for a credit monitoring solution that gives you credit report access and has a free trial period and simply cancel the services before the trial time is finished.

Our recommendations -

Equifax Credit Watch Gold 3-in-1
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Equifax puts their best foot forward in the sector of credit monitoring solutions with their Credit Watch Gold 3-in-1. The Equifax service starts off with giving you access to your 3-in-1 credit report so that you can see your credit histories with all three credit reporting agencies. Along with your 3-in-1 credit report, you also receive unlimited access to your Equifax credit report. This credit monitoring service will watch over all three credit files and allow you to choose your method of notification within 24 hours of any changes or additions to your credit files. The entire service is backed by Equifax’s identity theft insurance that will cover up to $20,000 of identity recovery damages or costs. We highly recommend Equifax Credit Watch Gold 3-in-1 because it is an excellent value for a credit monitoring service that will monitor credit history files with all three credit reporting agencies.

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myFiCO
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myFiCO Score Watch is an attractive credit monitoring service for a great cost of only $8.95 a month along with a free 30 day trial. With your myFiCO Score Watch, you also get a free Equifax credit report and a report with your free FiCO Score. It is important to know your FiCO score since this credit scoring system is the one most widely used in the financial lending sector to evaluate loan and credit applications. The myFiCO Score Watch watches over your Equifax credit history report and sends you an email notification within 24 hours if there are any additions or changes. myFiCO also offers score simulators to see how different events and actions will affect your credit score as well. We recommend the myFiCO Score Watch even though it does not watch over all three credit bureau files for its cost effectiveness and value.

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I am worried about identity theft, and am looking for an effective identity protection solution. What types of things should I look for, and can you recommend some identity protection services to me?

As identity theft is one of the fastest growing types of crimes worldwide, your concern is quite valid and real. In fact identity theft crimes victimize as many as 9 million US people each year. You are smart to be thinking about looking toward an identity protection service to help protect your personal identifying information.

There are many commonalities to many identity protection solutions. One is placing fraud alerts on your credit report so that you can track any access and changes to your credit report. This is important since identity thieves can attempt to apply for a loan or credit card in your name with your personal information. Other services toward protecting your identity include removing your name from junk credit offer mailings, monitoring black market channels for sales of your information, and providing safety software for emails and internet browsing. Look for identity recovery guarantees for monetary guarantees to help provide for damages and recovery costs should you become the unfortunate victim of identity theft while you have the service.

Our recommendations -

ID Watchdog

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