The importance of maintaining a good credit score cannot be overstated, particularly given how many businesses rely on the ability to apply for a credit application. Keeping an eye on your credit score and report is possible with credit monitoring services. When your credit changes, you can be notified as soon as possible so that you can respond appropriately. Keeping an eye on your credit can also help you find out identify fraud, a form of fraudulent activity associated with credit card theft. In the case of identity theft, protecting your credit prevents thieves from racking up large debts on your behalf.
When looking for credit protection services, you should pay attention to fees. Some services are free when you sign up, or you have to pay a monthly fee, depending on how you use them. Be attentive to what type of service you'll get, including if it provides coverage to all three credit bureaus.
1. Privacy Guard
The advantages of choosing it
As a low-cost and comprehensive credit monitoring service that includes a variety of useful features, as well as identity theft prevention, one of our top recommendations is PrivacyGuard.
Pros
- For just $1, you can try the service for 14 days
- Insurance coverage of $1 million for identity theft
- Providing up-to-date notifications
Cons
- Family plans are not available
Taking a look
It is possible to monitor your credit report through PrivacyGuard, regardless of which credit bureau you use. An alert will be sent to you via text, phone, or email whenever the information you are required to report changes to the information in your credit file. It costs just $1 to try PrivacyGuard for the first fourteen days. In the following month, you will be charged according to your plan choice. It costs $9.99 per month to provide basic ID Protection from PrivacyGuard. A person's identity is protected by ID Protection through public access to the dark web, the public web, as well as data from public sources. In this plan, you are covered for ID theft at a maximum of $1 million.
The $19.99 Credit Protection plan includes credit scores from three different credit bureaus, daily credit monitoring, and a simulator for estimating credit scores. There is a monthly fee of $24.99 for the Total Protection Plan, which comes with both credit and identity protection features.
The monthly fee starts at $9.99. Equifax, Experian, and Transunion are all monitored.
2. Identity Guard
The reasons to choose it
Whether you need a family or individual credit monitoring plan, Identity Guard offers both options for a reasonable price.
Pros
- Various plans to choose from
- Convenient mobile application
- An alert system that updates promptly
Cons
- There can be a lot of costs associated with certain subscriptions
Taking a look
Founded in 1996, Identity Guard has served more than 45 million customers over the years. Using a credit monitoring service, you can rest assured that all three major credit agencies monitor your credit history.
Three options are available to you: the Value, the Total, and the Ultra Plans, depending on your needs. A $1 million asset protection plan is included in all plans, as well as a case manager who will work closely with you in the event of a theft of your identity, access to your membership records via mobile device, or tracking of your personal data when it is discovered online. All three plans offer a credit report every month, a credit protection program that includes three agencies, as well as monitoring your bank accounts.
Seven plans are available for individuals ranging from $7.50 to $25 a month, whereas family coverage ranges from $12.50 to $33.33/per month. To avoid being charged, cancel during the refund period before your subscription is charged, where they get included without having to pay for them.
3. Identity Force
Whatever your area of interest is, if you can't always monitor the information about your credit report, Identity Guard is an extremely beneficial credit protection service that ensures you are protected against adverse attacks. As far as credit bureaus go, Identity Force provides excellent credit card security. By monitoring your credit reports, Identity Force provides assurance your information is reliable as well as secure. Using Identity Force, you can gain a deeper understanding of some complex aspects of credit monitoring that may have to be covered. Rather than simply telling you how it also explains why it is happening.
In this package of credit reports, information is provided regarding any identity theft instance, identity fraud or credit card fraud, sample letters, as well as applications you can use to enhance your credit reports. With the online application, you can monitor a new credit report per month, as well as credit files.
In the industry for more than 20 years, Identity Force has provided services to about 30 million clients. You can adjust your credit report statements through the firm's Premier and Individual Total Plans. To make your financial decisions and experience easier, we offer various financial services.
This service is also able to monitor private information from thousands of other credit reports, including your Social Security number and name. When you receive each credit report information, a support service is available to answer any questions you might have. You receive one credit report each month with the Total or Premier Plans. A high-profile data breach can also be prevented with it.
Additionally, you can keep your child's data safe using household programs. A hidden network monitors your child's data. The Premier Family Plan includes behavior advice on social media and credit surveillance by three agencies, as well as an online harassment warning. A three-agency credit modification warning is included in the Total Family Plan, and it provides the best credit monitoring services as well as identity protection.
Pros
- A monitoring system for social security numbers
- Reports tailored to the needs of your organization
- A warning system for ID verification
- Taking over accounts and monitoring the dark web
Cons
A monthly fee of $140 or more is required. Reports monitored are: Equifax, Experian, Transunion
4. Aura
The features of Aura are pretty much what the top-tier credit protection service offers. Subscribing to Aura includes credit monitoring, money tracking, bank account monitoring, investment account monitoring, as well as monitoring of investment accounts. Your credit can also be locked down to protect against suspicious activity, as well as receiving monthly credit reports and all three credit reporting services at one time.
From the standpoint of membership options, Aura has a very simple membership model. A single plan is available, allowing you to buy it individually, for couples, or for families. It costs $15 a month for an individual plan, and if you subscribe annually, the monthly charge drops to $12. Atop the price range, the family plan, allowing up to five people to use it, has a monthly price of $50, if you subscribe for a year, it will cost you only $37 per month. Each plan offers all three plans, including insurance coverage of $1 million per client and ten VPN subscriptions.
Pros
- The coverage for all plans is $1 million.
- The fastest alerting system on the market
- A family plan that covers everything
- Streamlining and transparency of pricing.
Cons
- Prices are a little higher at the beginning
The monthly fee for the family plan starts at $50. There is the monitoring of Equifax, Experian, and Transunion.
The benefits of Aura
Aura is the perfect credit protection option for a person seeking full-service coverage. Financial accounts are not the only things the company monitors. This program monitors your personal information for any possible fraudulent use. As a result, Aura offers an excellent value for only a single price.
A credit problem does not occur in an isolated environment, of course. Identity theft is often the cause. For this reason, they provide services that protect your identity, such as identity verification tracking, monitoring your account, as well as dark web scanning. There are even tools provided by the company to prevent fraud and identity theft. Your online security is protected by Aura VPN when you are online, as well as anti-malware software to prevent data theft.
Conclusion
Credit monitoring services help prevent and the detection of identity theft, as well as provide assistance afterward. Having a credit report can be very helpful in the event that your identity is hacked, causing unauthorized charges to appear in your bank account as a result of shady identity theft. An effective identity theft insurance package will eliminate the possibility of getting assistance from an expert who will handle all the required paperwork on your behalf to avoid any additional losses. Service providers who provide this service offer continuous support 24 hours a day.
Apart from providing one-on-one help from an expert, an effective credit protection company can set a value for reimbursement in order for you to recover your losses, as well as the ability to go to court if required. Most services offer identity theft insurance for up to $1 million.
