Finance in our modern age has shifted more towards the digital realm, which offers significantly more efficiency. However, digital finance has made the risks apparently clear, especially when it comes to cybercrime.
Most people use their credit score to facilitate their credit applications. However, some loopholes such as identity theft mean that your identity can be fraudulently used for such applications without your knowledge. This is why it is good to have a credit monitoring service that will help monitor your credit score and your credit report. Here are some of the credit monitoring services out there that might be a good fit for you.
It offers identity monitoring services through its UltraSecure plan, which deals with identity monitoring. It also has another feature called UltraSecure+Credit plan, which focuses on monitoring the user’s credit and also their identity. Customers are required to pay $12.99 per month or $129.90 to enjoy the UltraSecure Plan. This plan also provides an identity theft insurance coverage worth $1 million.
The service charges a higher price tag for the UltraSecure+Credit Plan at $19.99. It has all the features available in the UltraSecure plan, but it goes a step above by offering, including a credit simulator that highlights the effects of various actions on your credit scores. It also provides credit reports and three-bureau credit monitoring.
It provides its clients with credit score and credit reports monitoring. It even sends alerts to clients through text on their phones and emails in case there is any change to their credit report information. The service provides three different plans starting with the $9.99 per month option, which provides ID protection as a basic feature. This feature keeps track of your identity to ensure that it is not used on the regular or dark web.
The coverage also provides up to $1 million in identity theft coverage. There is also a higher-priced package at $19.99 per month, which provides credit protection, three-bureau credit reports, and also credit scores. If you pay $24.99 per month, then you get access to all the available features.
myFICO Ultimate 3B Credit Monitoring
This is a favorite for most lenders, and that is likely because it offers instant access to 28 versions of the user’s credit score that can be used when applying for a mortgage. The users also get access to their three-bureau credit report. It also updates your credit score and credit reports quarterly. Alerts are also sent to the user in case there is any change to their credit information.
The services are provided at a $29.95 monthly fee, although users can cancel their subscriptions. It is considered one of the most reliable credit monitoring services currently available.
Its parent company has been providing its services for more than 20 years, and it has served more than 47 million customers. The platform monitors the credit information of users from the three main credit bureaus. It is also one of the most attractive credit monitoring services out there because it has a tailored plan for family protection.
Plans that target individuals start from $29.95 to $24.99, while family plan starts from $14.99, and the highest plan is priced at $34.99. It also comes with insurance coverage up to $1 million.