Credit Report Monitoring Services
Product Comparison

This is a comparison table featuring the credit monitoring serviced offered by all the three national credit agencies. We intended to present this information as simple as possible, in order to help you choose which credit monitoring service is best for you.

Company
Product	Triple Advantage (SM)	Credit Watch Gold™ with 3-in-1 monitoring	3-Bureau Credit Monitoring
Review score  (1-5)	4.75	5.0	4.75
Bureau’s reports included	All three	All three	All three
Alerts/monitoring frequency	Daily, by email	Daily, customizable	Daily, by mail
Number of reports included	Unlimited (one per day while in trial period)	Unlimited	Unlimited
Includes credit score history	Yes, for all three scores	Yes, for all three scores	Yes, for all three scores
Identity Theft Insurance Coverage	$50,000	$20,000	$25,000
Professional services	Toll-free fraud resolution representatives	Fraud specialists	Fraud Specialists
Others	Access to online credit advice, articles and financial calculators.	Customizable alerts. Specialized customer service on a 24/7 basis.	Ability to prevent access to your credit report (report locking.) Free credit learning center, for help and advice. Free specific tips daily with each report.
Price	$12.95/month (free for 30 days)	$12.95/month	$14.95/month
Product link	Buy now!	Buy now!	Buy now!
Review link	Click here	Click here	Click here
Credit Report Monitoring Services Reviews
Experian Triple Advantage	The Experian Triple Advantage monitoring service consists on easy to understand credit reports, simple enough to avoid overwhelming the first time user, but complete enough to satisfy the most demanding one. The package also includes access to each one of the three credit scores, along with a score history of variations. The data present in this historical list is the basis for the alerts system, which are triggered every time an inquiry or any other item causes (or may cause in the near future) a change in the credit score. The $50k Identity Theft insurance is the highest, but it may be subject to certain restrictions. Also, the ID theft insurance coverage is not valid for New Yorkers. This is because of NY laws, not because of Experian regulations. The free access to articles, financial tools and information will prove to be useful to those in need of credit repair, as it is very complete yet simple to understand. The possibility of trying out the service for 30 days for free before getting billed is a great idea, and the final price is more than convenient for anyone interested in tracking their credit. The advice of the specialized fraud representatives is extremely useful in cases where a suspicious activity is detected in your report. More.
Equifax Credit Watch Gold with 3-in-1 monitoring	Credit Watch 3-in-1 is an excellent credit monitoring service. The easy to read credit reports that contain a lot of comprehensive information and the greatly-organized visual credit score graphs and tables are truly something to appreciate, especially for those people who are not used to deal with financial data. Another great feature of this package is the possibility to customize the way in which alerts are sent, while other packages only alert you by e-mail. The Equifax 3-in-1 package comes with access to a 24/7 customer support line, where credit specialists and customer satisfaction experts take care of every customer’s needs. Additionally, there is a group of fraud specialists to aid customers dealing with potential identity theft scenarios. All in all, the Credit Watch with 3-in-1 monitoring is an affordable solution for tracking both the changes in your accounts and the variations of your credit score. This package is recommended for those who want to access all the information they need on one screen while hiding less relevant data from their sight and therefore prevent cluttering the screen with too many “bells and whistles”; and it is also recommended for those who want to keep track of their scores in a visual way. More.
TrueCredit (TransUnion) 3-Bureau Credit Monitoring	The 3-bureau credit monitoring service offered by TransUnion (through its wholly owned subsidiary, TrueCredit) has some advantages over the other similar products in this review. The first (and most important, we think) is the lock and unlock tool. This tool allows customers to prevent other people from taking a look at their credit report. When a report is locked, no creditor can access it until the customer unlocks it. This allows you to keep your credit report safe from potential fraud, by maintaining it always locked (of course, you must unlock it when you apply for credit or buy something, in order for the creditor to check your history). The other advantage provided by TrueCredit is their Credit Learning Center, a valuable resource-packed online vault of useful credit information to help inexperienced customers. In fact, access to credit learning center doesn’t even require purchasing any product, but the valuable tips you get with your everyday score report are the perfect complement to it, completing the experience. Any suspicious activity will be reported daily to you, and if you need the help of a fraud specialist they are available for your convenience. The package is very complete and has a very attractive price, which makes it useful for every person who needs to keep track of their credit. More.
Summary conclusion
We have found that every one of these packages will fit every customer’s needs, of course with small differences. All three agencies have been in business for many years, so it’s no surprise that they all share the same standards of customer satisfaction and quality. The differences on their review scores are due to small but somehow significant things, like the way the data is presented to the customer and the quality and accuracy of alerts. The main points evaluated were: readability, amount of information, price, customer help and added value.