Free Credit Monitoring Services



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Credit monitoring services are a great way of being notified when big changes are made to your credit report (e.g an application for new credit), this can be useful to determine when identity fraud is taking place and can also help in tracking overall credit health.

free-credit-monitoring-servicesCredit monitoring services are a great way of being notified when big changes are made to your credit report (e.g an application for new credit), this can be useful to determine when identity fraud is taking place and can also help in tracking overall credit health. There are three major sites that offer free credit monitoring services (we’re not including services that have a free trial aspect), these websites are: Quizzle, Credit Karma, Credit Sesame & Credit.com. Below we’ve outlined the major pros and cons of each site and added a link to our detailed reviews of the three sites.

Quizzle’s Free Credit Monitoring Service

Pros:

  • Access to two free Equifax credit reports annually
  • Negative accounts tab quickly shows all negative accounts currently on an individual’s Experian credit report. This makes it easy to find accounts that are possible targets for credit repair. It can also help to highlight possible fraudulent accounts.
  • Based on Equifax data
  • Access to VantageScore which is looked at by some lenders

Cons:

  • VantageScore is only updated twice a year

[Read: Our Full Review Of Quizzle] [Sign Up: For A Quizzle Account]

Credit Karma’s Free Credit Monitoring Service

Pros:

  • Access to VantageScore (which is looked at by lenders in ~5.6% of lending decisions)
  • Access to industry specific credit scores, such as home insurance & auto insurance risk scores.
  • Credit score simulator which shows what happens to a credit score when certain credit decisions are made (e.g an application for new credit will cause the simulated score to drop by 5 points)

Cons:

  • Based on TransUnion data, the least used credit bureau
  • No FICO score offered

[Read: Our Full Review Of Credit Karma] [Sign Up: For A Free Credit Karma Account]

Credit Sesame’s Free Credit Monitoring Service

 Pros:

  • Based on Experian Data
  • Offers $50,000 in free identity theft insurance

Cons:




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Quizzle. They DO NOT
EVEN RUN MY SOCIAL SECURITY NUMBER.
(Before They Start Running Their Internet Mouths)

They Ask Me Questions About My Owning A Home
Several In A Row. Yes.
Which I Obviously Cannot Answer.
Because I Do Not Own A Home.

“Hey Idiot! I Do Not Own A Home.”

YES. I AM ON SOCIAL SECURITY
and YES. I AM VERY MUCH OFFENDED.

BEAT IT THEN QUIZZLE.

RE: ONE VERY IGNORANT NAME ANYWAYS.

Didn’t Credit Sesame switch away from Experian earlier this year? /credit-sesame-to-switch-to-transunion/

Yes, wanted to mention that as well. Just went to Credit Sesame and they are using TU. No way apparently to see Experian inquiries, unless you’ve been denied credit or do the free annual report?

You can view your EX credit report for free at http://freecreditreport.com

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