Top Credit Monitoring Websites: Credit Monitoring services make it easy to manage and maintain your credit, get on a path to better credit, and reduce the number of financial headaches you have in the future.

Company Price Features Rating Visit Site

Free Trial

Try it for Free!

Monthly Credit Report & Score

3 Bureau Credit Monitoring

E-Mail Alerts

Credit Fraud Consultation

Visit Site

Free Trial

Try it for Free!

Reports Each Month

ID Theft Insurance

Dispute Center

Visit Site

Free Trial

Try it for Free!

Personalized Debt Analysis

True Identity™ Protection

Unlimited Reports

7-Day Trial

Visit Site

Free Trial

Try it for Free!

Monitors Experian credit report

Does not include scores

7-day trial with enrollment in ProtectMyID

Visit Site

3 Credit Reports

3 Fico Scores

Daily Credit Monitoring

Visit Site

Free Trial

Try it for Free!

Credit Report

Credit Score

Identity Protection Tools

Visit Site

†Advertiser's Disclosure: myreview.com is an independent, adverting-supported comparison service. The offers that appear on this website are from companies which myreview.com may receive compensation. This compensation, along with other factors, may impact how and where products appear on this site, including, for example, the order in which they appear or the categories they are placed. The site does not include all companies or all available offers.

Educational Material for Credit Score

What is a Credit Report/Score:

A credit score is a single number that indicates your ‘creditworthiness’. This number summarizes your entire credit report, which is a document that contains information about your credit history and your track record with making payments to lenders. Your credit score is calculated by a mathematical equation that evaluated many data points, or score factors, from your credit report. Your score lets a lender know how likely you are to repay a loan, or make credit payments on time. The higher your score, the better chance you have of getting credit when you apply for it.

It is important to note that not all scores are the same. Each of the national credit reporting agencies, Experian, Equifax, and TransUnion, also offers industry-specific scores. For instance, a lender in the automotive finance industry might request a score model that more closely evaluates your auto loan payment history. The actual score is based on the credit data available in your file with that credit reporting agency, and may vary from one to another. Your credit score rating may also vary, depending on the credit report score model requested (Auto specific, mortgage, etc).

What is your Credit Score Used for:

Your credit score is an important number that indicates whether you are creditworthy. Creditors may also access your credit report, to get more detailed information on your risk level. Credit scores are one of the main tools creditors, employers, insurance and finance companies rely on to make credit decisions. A low score may impact your ability to receive a loan or the interest rates you receive on a loan. This means that your credit score could impact important life decisions, such as obtaining a credit card or applying for a mortgage.

Credit Score Contributing Factors:

There are many factors that can have an impact on your credit score, with some factors having a greater impact than others. Some factors of credit score include, but are not limited to:
- Number of inquiries
- Timeliness of account payments
- Number of lines of credit
- Amount Owed
- Type of credit accounts

Why Monitor your Credit Report/Score:

There are many important reasons to consistently check your credit, including: - There may be changes to your report that can impact your score. Changes could include missed payments, new inquiries or new accounts. This is important to know if you are in the market for obtaining credit
- There may be information on your report that is inaccurate. If you are aware of inaccurate information you can dispute any negative credit factors.
- You will be able to tell if somebody other than yourself tries to open an account in your name, which is an important tool for fighting identity theft. Without credit monitoring you are at risk of someone stealing your identity and racking up debt in your name.
- You will be able to monitor items on your credit report that should only be there for a limited period of time, including bankruptcy, a court judgement, or foreclosure.

By monitoring your credit, you can get on a path to better credit, and reduce the number of financial headaches you have in the future.

At myreview.com, we have put together a list of top credit monitoring services to help you better keep track of your creditworthiness.

Newsletter Subscription

Enter your email to subscribe for our newsletter

By clicking Subscribe Now, I agree to the Terms and Conditions, and Privacy Policy of myreview.com and to receive e-mails from the site and/or third parties for promotional purposes related to the products and services provided by the site.

Subscribe Now

myreview Unsubscribe

Please provide the email address at which you receive our email. This email address will be in the To: field of the email

Unsubscribe Now