Best Credit Report Service: Excellent Tools To Monitor Credit Score

Best Credit Report Service

 

In a world where credit standing plays a huge role in gaining access to several perks and privileges, how do you keep up? Are you a hundred percent sure that your credit standing is good and favorable? How do you protect yourself from identity theft that will surely hurt your credit score?

Signing up for a credit monitoring service is an excellent way to stay on top of your credit score. Credit monitoring services can secure a good credit standing so that you can benefit from all the privileges associated with a good credit score.

If you chose not to subscribe to a credit monitoring agency, what would you do if you found out your annual credit score plummeted – giving you a bad credit? This situation is a nightmare, especially if you’re just about to apply for a business loan or mortgage.

Why You Should Sign Up For a Credit Monitoring Service

A credit monitoring agency will serve as your preventive maintenance. It will protect you from matters that can harm your credit score by continually monitoring each activity within your credit. Some credit monitoring services will even help boost your credit score or reverse your bad credit standing.

While many people think that this service is suitable only for those with bad credit standing, people with outstanding credit scores can also benefit from this service. Besides the convenience of having visibility over your credit score anytime, you also gain full control of your credit score. Besides, by continually monitoring your credit score, you can fully understand how it works and what actions you need to change to maintain good credit.

In this blog, I’ll give you the best credit monitoring tools that you can subscribe to that will surely protect your credit score and prevent you from getting a bad credit.

For starters, let’s define first what makes an excellent credit reporting service.

How To Find The Best Credit Report Service Company

Here are my criteria on what makes an excellent credit monitoring agency:

Credit Score Accuracy: A good credit report service shall give you a holistic view of your credit score. The report must include all three credit reports from the three credit bureaus - Equifax, TransUnion, and Experian to ensure accuracy.

Identity Theft Alerts: When signing up for a credit report service, make sure that it also has identity theft monitoring. You should not only monitor your credit score to get a top credit standing. You also need to watch out for potential identity theft issues continually.

Easy-to-understand: Since not everyone has an in-depth understanding of how credit scores work, your credit report agency should be able to translate effectively everything that’s going on in your credit in an understandable way for beginners.

These are the top factors that you need to consider before signing up with any credit monitoring service. Now that you understand what makes a good credit monitoring agency let’s see which companies made it on the list!

myFICO

myfico

myFICO is the official consumer arm of FICO, the company behind the FICO credit score. The company began in 2001 to help individuals gain access to their credit scores anytime they wish to.

What it does

myFICO offers services to suit your needs, whether you’re just in for one time or actively seeking credit. It provides a complete set of credit monitoring services, including the following:

  • Credit Monitoring
  • FICO Score Monitoring
  • Identity Monitoring
  • Identity Restoration
  • 3-bureau’s FICO Score Simulator

Pricing plans

myFICO offers two types of One-time Report packages: 1-Bureau Credit Report and 3-Bureau Credit Report. The main difference is that for the first package, you only get a credit report from Experian, while the second option gives you a full credit report from the three credit bureaus.

  • 1-Bureau Credit Report costs only $19.95
  • 3-Bureau Credit Report will cost you $59.85

myFICO offers a 3-tier plan: Basic, Advanced, and Premier. Each subscription plan includes FICO scores, credit reports, FICO score monitoring, credit monitoring, identity restoration, tools & analysis, and access to resources & community.

  • Basic subscription plan starts at $19.95 per month
  • Advanced subscription plan starts at $29.95 per month
  • Premier subscription plan starts at $39.95 per month

In Summary

myFICO is the best choice if you want to access your credit score instantly or if you want to monitor your credit standing carefully. myFICO offers a comprehensive toolkit for monitoring your credit score paired with its 24/7 fraud & identity theft protection to raise your credit standing effectively. Besides, where else would you want to get intel on your credit standing other than FICO’s makers?

 

Click Here To Read My Review On myFICO

 

Click Here To Check Your Credit Score With myFICO

 

CreditRepair.com

creditrepair.com

CreditRepair.com, from the name itself, is a credit repair service company that helps individuals eliminate wrong, unjust, and unverified items that harm their credit standing. The company offers a straightforward solution to reverse negative items that are hurting your credit score. 

What it does

CreditRepair.com works closely with the three major credit bureaus and creditors to contest the negative items affecting your credit score. Its services include:

  • Credit Rebuilding
  • Credit Restoration
  • Credit Boost
  • Credit Monitoring Tools

Pricing plans

Upon signing up with CreditRepair.com, you will have to pay a one-time fee of $14.99. This charge is for the agency to pull out your credit reports from another company; this is the only fee that you will pay other than the monthly credit fix fee, which is $99.95.

In Summary

CreditRepair.com is the perfect choice if you want to reverse your bad credit standing. With its years of experience, CreditRepair.com is well-equipped to challenge every line item that led to your lower credit score. Thus, helping you remedy your bad credit.

 

Click Here To Read My In-Depth Review On CreditReport.com

 

Click Here To Fix Your Bad Credit With CreditReport.com

 

LifeLock

lifelock

LifeLock offers a complete identity theft solution that monitors and examines personal data and credit score variations. LifeLock covers monitoring, alerts, and recovery services to secure you from identity theft. It also helps you recover through its protection package if you fall victim to identity theft.

What it does

LifeLock offers a full identity theft protection service that protects you from being a victim and helps you recover if you fall victim to identity crimes.

Its core services & features include:

  • Credit Monitoring
  • Identity Theft Monitoring & Alerts
  • Identity Theft Recovery Assistance
  • Million Dollar Protection™ Package
  • 60-day Money-back guarantee

Pricing plans

LifeLock offers different plans depending on your specific needs. You can choose between its three-tier plans: Standard, Advantage, and Ultimate Plus.

  • The Standard plan costs $9.99 per month. It includes $25,000 reimbursement for stolen funds and basic credit monitoring from the three credit bureaus.
  • The Advantage Plan costs $19.99 per month and includes up to $100,000 reimbursement for stolen funds and credit monitoring, including bank account & credit card activity alerts.
  • The Ultimate Plus plan costs $29.99 per month. It lets you get up to $1 million in reimbursement for stolen funds.

In Summary

The price of suffering from stolen identity is steep, not to mention the stress it will cause you. LifeLock is the right choice if you want to protect yourself from identity theft without freezing your credit. It offers a very convenient way of guarding your personal information and monitoring your credit without much effort needed from your end.

 

Click Here To Read My Full Review On LifeLock

 

Click Here To Protect Your Identity With LifeLock

 

MyFreeScoreNow.com

myfreescorenow

MyFreeScoreNow started in 2013, led by experts from the credit and financial services industry. It’s an independent company that offers credit information and tools for people to monitor their credit scores and data better. 

What it does

MyFreeScoreNow gives you a free credit report from TransUnion. Once you decide to sign up for a membership, you’ll get access to all the credit reports from the three credit bureaus plus many monitoring tools.

Its services and features include:

  • Credit Monitoring
  • Personalized Reporting
  • Credit Report Alerts
  • Monthly Credit Score Updates
  • Email Notice for Credit Report Views

Pricing 

MyFreeScoreNow offers a $1.00 one-time member activation fee for a 7-day trial. Once you decide to sign up for membership fully, you’ll need to pay $29.95 per month. This subscription includes a credit report from the three credit bureaus plus tons of features to monitor your credit.

Signing up with MyFreeScoreNow is easy. However, you’ll need to provide your credit card details to complete your registration. 

In Summary

Aside from the free credit report, MyFreeScoreNow offers an affordable way to monitor your credit score. It provides visibility over your credit standing for free to stay on top of your credit score anytime. Aside from that, it offers a full suite of credit monitoring services at an affordable price by simply signing up for membership. With everything that’s offered by MyFreeScoreNow, you will truly feel at ease concerning the monitoring of your credit score.

 

Click Here To Check Out My Review Article On MyFreeScoreNow

 

Click Here To Start Your FREE 7-Day Trial With MyFreeScoreNow

 

Reliashield

One of the worst things that can happen to anyone protecting their credit score is being a victim of identity theft. Why? Because once you become a victim of identity theft, your credit score will suffer a direct hit and ruin your good credit.

What it does

Do you feel uneasy about being a victim of identity theft? If yes, Reliashield is the best solution for you. Reliashield offers a comprehensive security solution to keep you from being a victim of identity theft. It also helps you recover from being a victim of identity theft, so you can regain your credit score and never go through the same nightmare again.

Its services and features include:

  • Unlimited Restoration services
  • Personal information and Dark web monitoring
  • Social Security Number Monitoring
  • Data breach updates
  • Free Credit Report
  • Wallet Protection
  • $1,000,000 Stolen Funds and Expense Reimbursement Coverage
  • 24/7 Customer Support

Pricing

Reliashield offers two kinds of plans: Individual and Family plans. Each Family Plan comes with free coverage for children under 18 years of age.

Individual plans

  • Reliashield Essential: $7.99 per month
  • Reliashield Prime: $14.99 per month
  • Reliashield Elite: $21.99 per month

Family plans

  • Reliashield Essential: $14.99 per month
  • Reliashield Prime: $24.99 per month
  • Reliashield Elite: $34.99 per month

In Summary

If you’re looking for an all-in-one service to protect and monitor your credit score, Reliashield is one we recommend. With its affordable plans, you’ll be sure never to experience the hassle and adverse effects of falling victim to identity theft.

 

Protect Your Credit Score with Reliashield

 

Credit Karma

Are you guilty of not paying much attention to your credit score or financial standing? If yes, then that’s Credit Karma can help you achieve your financial stability and goals. Getting access to your credit scores is not the last step in managing your finances. Instead, it should serve as your north star to guide you on how to manage your finances better.

What it does

Credit Karma offers you services beyond traditional credit monitoring. The company can help you with matters that will positively affect your financial standing. Do you want to raise a dispute with your credit score? Do you think you’re paying too much interest with your mortgage? Need help in taking a loan? Whatever it is, Credit Karma can lend a helping hand.

Pricing: FREE!

Credit Karma is available at no cost! The company makes money by endorsing financial products such as credit cards and loans based on your credit information and receives a commission when you buy the recommended product.

In Summary

Credit Karma has over 100 million users in the US, Canada, and the UK. Credit Karma is an excellent way to get guidance in improving your credit scores while matching you with the right creditors. The company provides you with tools that will help you track your finances while fully controlling your credit score.

 

Get Your FREE Account with Credit Karma

 

TransUnion

So you want to get it straight from the source? Here’s TransUnion, one of the three main credit bureaus. However, based on the Fair and Accurate Credit Transactions Act (FACTA), you can only access your credit report for free on Transunion’s website once a year. The good news is that you can sign up with TransUnion for a minimal fee, which allows you to access your credit score anytime.

What it does

TransUnion, being one of the leading credit bureaus, boasts a solid reputation in providing accurate credit scores. Its subscription service offers credit score monitoring and reporting solution, including the following:

  • Unlimited access to credit score & reports – daily updates on your credit score
  • CreditCompass – guided tips on how you can improve your credit score
  • Credit Lock Plus – Protects your credit score in a few clicks
  • Identity theft protection

Pricing: $24.95 per month

In Summary

If you want to be sure about your credit score’s accuracy at any time, then going with TransUnion is a good idea. With its proven and reliable credibility, you’ll be sure to stay on top of your credit standing with no inconsistencies.

 

Click Here To Get Your Account With TransUnion

 

CreditFirm

Are you in need of a credit fix? How about a Credit score boost? If yes, then CreditFirm is worth checking. CreditFirm offers professional services to help repair and reverse your credit score.   

What it does

CreditFirm offers a full suite of professional credit repair services, which covers loans, mortgages, credit cards, identity theft, and more. The company has tons of positive customer reviews; one even shows a good jump from 560 to 726.

Its services and features include:

  • Unlimited Restoration services
  • Legal in-depth Credit Audit
  • Credit Bureau Challenges
  • Procedural Request Verification
  • Inquiry Challenges
  • Personal Info Variance Challenges
  • Goodwill Interventions
  • Escalated info Requests
  • Debt Validation
  • Collection Agency Defense

Pricing: $49.99 per month

In Summary

CreditFirm is a results-based company, as seen from its customer testimonials. Thus, if you badly need professional help to reverse your bad credit score, CreditFirm is the right doctor for you.

 

Reverse Your Bad Credit with CreditFirm

 

Credit RX America

Hesitant to try out any of the services here? How about one wherein you only pay for the service you enjoy? That’s precisely why Credit RX America was built– for individuals who demand quality results.

What it does

Credit RX America conducts an audit on its users’ credit scores and provides you with a list of items that are hurting your credit score. Once you see the report and decide on the items that you want to be removed, Credit RX America does its magic.

Credit RX America is an expert in harmful credit removals. The company is adept at cleaning your record and removing unhealthy items hurting your credit score - whether it’s late payments, bankruptcy, inquiries, and all other items.

Pricing

  • Individual: $99 per delete
  • Spouse: $89 per delete
  • Inquiry removal new service: $50 per delete

In Summary

Credit RX America is best for people who don’t need subscription-based service and only prefer straightforward service like bad credit removal. With Credit RX America’s service, you’re sure to be paying only for the results you need.

 

Get Rid of Bad Record With Credit RX America

 

Credit Saint

Credit Saint offers an award-winning yet straightforward credit repair services. The company boasts over 15 years of experience in this industry and has successfully mastered the credit repairs’ ins and outs.

What it does

Credit Saint offers a full suite of credit restoration services simplified into three levels. The company boasts experts who are highly trained to challenge inaccurate and harmful items hurting your credit report, including late payments, identity theft, tax liens, bankruptcy, and more. Once your credit score gets fixed, Credit Saint will also help you maintain a good credit score with its expert advice.

Pricing

  • Credit Polish: $99 first engagement fee, then $79.99 per month
  • Credit Remodel: $99 first engagement fee, then $99.99 per month
  • Clean Slate: $195 first engagement fee, then $119.99 per month

In Summary

Credit Saint is a solid choice for those who want to be sure about who they’re dealing with. The company offers a hassle-free customer experience through your customer dashboard, which will provide you with everything you need to know every step of the way. In general, Credit Saint is the perfect choice if you prefer to work with authority in the credit repair industry. Plus, you can take advantage of its 90-day money-back guarantee!

 

Boost your Credit Score with Credit Saint

 

There you go, those are the best credit reporting services that you can subscribe to anytime. Note that this list is not organized in any particular order.

If you’re still skeptical if credit monitoring service is worth the cost, just think of the many possibilities you can suddenly get a bad credit score and the hassle of reversing it. You don’t need that much to sign up for a credit monitoring service. Besides, the best credit reporting services are surely worth the cost.

What do you think of our list? Leave us a comment below!





eCommerce Paradise was created by Trevor Fenner of Seattle, Washington in 2015 to help you, the entrepreneur, to start and scale your own eCommerce business selling high-ticket products online with the drop shipping fulfillment method so you can make more profit per sale, have a sustainable and evergreen online business, get started with very little upfront investment, and live a location independent lifestyle. Trevor owns multiple 7-figure High-Ticket Drop Shipping eCommerce stores and is a digital nomad, traveling the world while working remotely with the help of his team of over 10 virtual assistants from around the world. Trevor is currently located in Bali, Indonesia. Trevor is also a passionate skateboarder, surfer, scuba diver, photographer, environmentalist, outdoorsman, fitness and tattoo enthusiast.


AFFILIATE DISCLOSURE: Some of the links on this page may be affiliate referral links. I will get a commission from the vendor when you make a purchase after clicking them at no added cost to you. As a result, many of them also provide you with a special discount just for using my link. You can go directly to their support if you have any issues with their software or product.


Resources for Starting A High-Ticket Drop Shipping eCommerce Store

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