First Step To Improving & Protecting Your Credit: Monitoring Your Credit Report
Your credit can either be a valuable asset or a major liability, so it’s important to stay on top of it. Whether it is to fix errors on your credit report, or prevent identity theft, you should have some sort of
credit monitoring in place. Ideally, you should also be able to view a current copy of your credit reports and scores whenever you want or need to. Some of the services I recommend are:
Equifax Scorewatch is useful because it gives you your actual FICO score, whereas many of the others just give you estimated scores. It also monitors it, and alerts you when there is a change.
TrueCredit is a good one to have because you can get daily updates on your all 3 of your credit reports and scores. If I could only have one service, it would be this one. They also explain the main factors that are affecting your credit score, so you know what you need to work on.
The main benefit of Lifelock is that they prevent Identity Theft from occurring, whereas the others primarily just alert you after someone has applied for credit in your name. They also offer a $1 Million Service Guarantee. The only drawback is that they don’t offer access to your credit reports, so if you are trying to improve or repair your credit, this service on it’s own will not help with that.
LifeLock is the only Identity Theft Prevention Solution backed by a one-million dollar guarantee!Click here to get a 10% discount.