View Your 3 Free Credit Reports and 3 Credit Scores from IDENTITY GUARD® Instantly >>

We did a thorough review on the most popular credit report products to find the best deals for our users.  We found that IDENTITY GUARD® offers the best overall 3 credit report solution. 

We rated IDENTITY GUARD® as the best option because they offer a free 30 day trial for all three credit bureau reports (Equifax®, Experian® and TransUnion®), all three credit scores, include excellent credit analysis tools, and offer the most thorough credit monitoring of any product on the market.  

IDENTITY GUARD® also offers the highest level of identity theft protection*.  For about the same price or less than similar services, IDENTITY GUARD® offers by far the best value, in our opinion.

*IDENTITY GUARD® was recently rated the best ID theft protection service by PC World Magazine(Click here for the full PC World article)

View Your 3 Free Credit Reports and 3 Credit Scores from IDENTITY GUARD® Instantly >>

IDENTITY GUARD® Credit Monitoring Service Includes These Features:

  • 3 Credit Reports and 3 Credit Scores, Free for 30 days - Your first 30 days of IDENTITY GUARD® services are free.  After 30 days, the service costs $14.99/month for 3 credit reports, 3 credit scores, and the highest rated Identity Theft prevention service on the market.  You can cancel anytime even within the first 30 days, and keep your 3 credit reports and 3 credit scores for free.  Your credit reports and credit scores are easy to read and are viewable instantly, online.  Below is an example of a credit report:

  • Credit Analyzer and Online Tools  - Credit tips and tools to help you understand your credit scores and help you make smarter decisions about your credit scores:

All Popular Credit Report Offers Compared:

Credit Report Service Equifax Credit Reports myFICO TransUnion logo Experian free Credit Reports
Website Link IDENTITY GUARD® Equifax MyFico TransUnion FreeCredit
 Report.Com
Summary Rating 5 Stars 4.5 Stars 4.5 Stars 3 Stars 3 Stars
Free Trial Link
Summary Review Includes all three credit reports and three credit scores.  Top Rated By PC World Magazine and the best overall value. Great for 3 Credit Reports, free FICO Credit Score, and three bureau credit monitoring. Great if you simply need to monitor your FICO Score and Equifax Credit Report only. Three credit reports and scores, but no free trial period.  Too much extra marketing makes this service very annoying in our opinion. Good for credit monitoring, only one free credit report.  Much better values elsewhere.
Free Trial Days 30 30 30 0 30
Number of Credit Reports 3 3 1 - Equifax 3 1 - Experian
Identity Theft Coverage 25K 25K None 25K 50K
Cost Per Month $14.99 (limited time offer, usually $17.99) $14.99 $8.99 Month or $89.99/Year
 $14.99 $12.99
Cancel Anytime? Yes Yes Yes Yes Yes
Website Link IDENTITY GUARD® Equifax MyFico TransUnion FreeCredit
Report.Com
 


See Your Free Credit Report and Free FICO Credit Score Instantly - from Equifax Credit Watch Gold >>

Equifax Credit Watch Gold came in second in our rankings behind - IDENTITY GUARD®.  Equifax offers many of the same benefits as IDENTITY GUARD®, except that Equifax Credit Watch Gold provides only one credit score rather than all three that IDENTITY GUARD® provides.  Also IDENTITY GUARD® offers much more comprehensive tools

Equifax Gold Credit Report Monitoring benefits:

  • 3 Credit Reports and your Equifax FICO Credit Score - See Your Equifax, Experian, and TransUnion Credit Reports.  (See Sample) It's easy to read and viewable instantly online.

  • Real FICO Credit Score - Your actual FICO Credit Score based on your Equifax credit report.

  • Credit Monitoring - Your 3-in-1 Monitoring makes it easy for you to monitor all 3 of your nationwide credit reports by alerting you within 24 hours of key changes:

  • Toll-free access to Fraud and Credit Education Specialists - Available to assist with any your concerns.

  • Credit Analyzer and Online Tools  - Credit tips and tools to help you understand your credit rating:

  • Identity Theft Protection Insurance - Up to $25K in case your ID is stolen.

Order Equifax Gold Credit Monitoring >>

Definitions of Terms Used:

Free Trial Days - Number of days of free access before monthly fee gets charged

Number of Credit Reports - There are three main Credit Reporting agencies, this tells you how many Credit Reports you will see

Number of Credit Scores - Since there are three Credit Agencies, you also have unique Credit Scores from each Credit Reporting agency.

"FICO" Credit Scores - FICO Credit Scores are used by 90% of all lenders and was developed by the Fair Isaac Corporation.  You can only get your FICO Credit Scores from either MyFico.com or Equifax.  All other Credit Scores are only estimates of your actual FICO Scores.

Identity Theft Coverage - This is how much insurance protection you will receive in case you become a victim of ID theft while using Credit Monitoring service.

Unlimited Credit Reports and Scores Monthly - Some Credit Monitoring Agencies allow you to run your Credit Report as much as you want to.

Credit Monitoring - This is service which looks at your Credit Report every business day and alerts you of anything new that may have been added or changed.  For example new credit cards being opened, late pays, etc.

Credit Monitoring Agencies - Since there are three Credit Agencies, it is best to get credit monitoring that covers all three agencies.  This will alert if anything is affecting your Credit Report