Credit Monitoring
May 7, 2015 6:37 PM   Subscribe

Hey Mefites, what do you think is the best credit monitoring service? Is it worth it?
posted by bquarters to Work & Money (4 answers total) 2 users marked this as a favorite
You can check your credit for free at -- you get one free report from each of the three credit bureaus per year, so if you spead them out and do one bureau every three months you can keep pretty close tabs on things without having to pay.

You can also sign up for Credit Karma which is free, and will send you alerts when you have new inquiries and accounts which is super-helpful.

I don't think, between the two, that it's worth paying for a credit monitoring service.

You might also be interested to know that more and more banks, credit unions, and credit card companies are providing credit scores for their customers. Off the top of my head, Discover, BarclayCard, Alliant Credit Union, and American Express all give you a free credit score. Bank of America, Citi, and Chase are supposed to start offering them soon as well.
posted by rabbitrabbit at 7:20 PM on May 7, 2015

I don't know if it counts as credit monitoring, but I find Credit Karma to be somewhat useful (and, more importantly, both free and non-scammy).
posted by primethyme at 7:20 PM on May 7, 2015 [2 favorites]

They're all the same. I like the one I get with my Capital One card because it's free (as is the card).
posted by J. Wilson at 8:10 PM on May 7, 2015

After their security breach, Target gave me a free year of Experian's Protect My ID service. It just sent me alerts every time there was a new inquiry or line of credit requested for my account. Since no one ever tried to steal my identity, it didn't seem that useful, but if someone did, I would've known right away. It was pretty quick with the alerts from when I did anything.
posted by AppleTurnover at 11:05 PM on May 7, 2015

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