Scroll the table to compare the eight leading credit monitoring services on the metrics that actually change your decision.
| Feature |
CreditScoreIQ
Editors' Choice
|
TransUnion
Most Trusted
|
ChoiceCreditScore
Best Value
|
CheckFreeScore
|
Financeify
Best All-in-One
|
SmartCredit
Best for Repair
|
FreeCreditClick
|
IdentityIQ
Best for ID Protection
|
|---|---|---|---|---|---|---|---|---|
| Editor Rating | ⭐ 4.7 | ⭐ 4.4 | ⭐ 4.1 | ⭐ 3.9 | ⭐ 4.3 | ⭐ 4.5 | ⭐ 4.3 | ⭐ 4.5 |
| Monthly Price |
$29.90 / mo after trial |
$29.95 / mo | $24.90 / mo |
$29.95 / mo after trial |
$27.99 / mo after trial |
$19.95 / mo after trial |
$29.95 / mo after trial |
$21.99 - $29.99 / mo after trial |
| Trial | 7 days for $1 | 7-day free trial | 7 days for $1 | 7-day free trial | 7 days for $1 | 5-day trial for $1 | 7-day free trial | 7 days for $1 |
| Bureaus Covered | 3 of 3 | 1 of 3 | 3 of 3 | 3 of 3 | 3 of 3 | 3 of 3 | 3 of 3 | 3 of 3 |
| Score Model |
VantageScore 3.0 — all 3 bureaus |
VantageScore 3.0 — TransUnion only |
VantageScore 3.0 — all 3 bureaus |
VantageScore 3.0 — all 3 bureaus |
VantageScore 3.0 — all 3 bureaus |
VantageScore 3.0 — all 3 bureaus |
VantageScore 3.0 — all 3 bureaus |
VantageScore 3.0 — all 3 bureaus |
| Dark Web Monitoring | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ |
| Identity protection | SSN, court records & change-of-address monitoring | VLost-wallet, SSN & dark web monitoring | Basic SSN & dark web monitoring | SSN & dark web scanning | SSN, dark web & financial-account monitoring | ID & dark web monitoring with restoration assist | Basic SSN & dark web scanning | Full-service ID theft monitoring & restoration |
| Alerts | Daily 3-bureau alerts via email & SMS | Real-time TransUnion alerts | Email alerts on score changes | Email change-alerts across bureaus | Real-time alerts across all 3 bureaus | Daily 3-bureau alerts | Email change alerts across all 3 bureaus | Real-time 3-bureau & identity alerts |
| Best for | Shoppers who want full tri-bureau coverage at the lowest entry price | Anyone who wants data straight from a credit bureau | Budget-conscious users who just want their scores | Users who want to try before they buy with a free week | Users who want credit monitoring plus budgeting tools in one place | People actively repairing credit who want dispute and action tools | Trial shoppers who just want to see all 3 scores once | Anyone whose top concern is identity protection, not just scores |
| ID theft insurance | Up to $1,000,000 ID theft insurance | Up to $1,000,000 ID theft insurance | Up to $25,000 ID theft insurance | Up to $1,000,000 ID theft insurance | Up to $1,000,000 ID theft insurance | Up to $1,000,000 ID theft insurance | Up to $1,000,000 ID theft insurance | Up to $1,000,000 ID theft insurance |