Top Online Credit Trackers
The computer age has made it easier than ever to monitor your overall credit health. It's also made it easier for thieves to access your information. These two concepts can go hand-in-hand, since protecting your identity also protects your credit score. Here are several tools that can help you keep track of both.
According to Top Ten Reviews, a firm dedicated to doing unbiased third-party reviews, Identity Guard scored perfect 10s in their 2016 overall ratings, including identity protection, customer help and support, credit score reports and performance. Identity Guard supplies information from Experian, Equifax and TransUnion on each report it sends you. The firm monitors all three bureaus daily and notifies clients if credit applications are posted in their names. Identity Guard also guarantees that you may receive up to $1 million for losses due to identity theft while subscribing to their services.
In addition to providing information from all three credit bureaus, IdentityForce also adds in three TransUnion TransRisk credit scores. The service monitors all credit activity that leads back to your name and sends out alerts via email and text messages if something suspicious is found. Clients can access their credit scores at any time. IdentityForce also offers a $1 million identity theft insurance policy. The 35-year-old company has an A+ rating with the Better Business Bureau.
PrivacyGuard’s credit reports are set up a bit differently than their competitors. They provide all three reports from Experian, TransUnion and Equifax side-by-side so you can compare them. It also notifies you if someone is trying to sell your Social Security number or any of your credit card numbers, and it guarantees that it will cover losses of up to $1 million due to identity theft. The only drawback is that PrivacyGuard doesn’t provide FICO scores, which are what banks and lending agencies usually receive. You credit score number may vary from those scores, but usually not by much.
Privacy Matters will also help you keep you up-to-date on your financial history. The credit monitoring service contacts you when changes appear on your credit report. Privacy Matters also notifies you when someone tries to open an account, take out a loan or change your public record information. The service does not offer identity theft insurance or lost wallet protection coverage, so there is no reimbursement for lost monies. They do offer identity theft restoration, however, which helps you rebuild your credit more quickly. Your credit reports include information from Experian, TransUnion and Equifax.