Credit

How to get free credit monitoring that covers Experian, Equifax, and Transunion reports?

Photo by CafeCredit under CC 2.0

In my previous post, I explained why it is so important to place a security freeze on your Experian, Equifax, Transunion, Innovis, and ChexSystems reports. I highly recommend you read the previous post before you continue reading this one.

Many companies these days charge around $9 a month for monitoring credit reports to detect any major change such as opening a new account or change of address.

If you are one of those people that pay that fee for this service, then continue reading because you will soon learn how to get the same service for free. Save that $9 a month and invest it instead. If you are one of those people that don’t have any credit monitoring service at all, then I don’t know why you have not considered it yet.

What companies offer free credit monitoring service for all 3 major credit reports?

Let’s start with companies that offer free credit monitoring that covers Experian credit report:

Discover credit card:

Discover offers a free credit monitoring for all primary customers who have an active open Discover card in good standing. If you have Discover card, you can sign up for free. The monitoring service that they offer covers Experian credit report only.

AAA Membership:

If you have AAA membership, you may be eligible to sign up for a free credit monitoring service that covers Experian credit report only.

Now, what about Transunion, and Equifax reports? Is there any company that offers a free credit monitoring for these reports?

Credit Karma:

Credit Karma is the most popular company that offers free credit monitoring that covers Transunion and Equifax credit reports. Credit Karma also offers free reports and free credit scores in addition to credit monitoring.

Does a security freeze affect credit monitoring services?

If you plan to sign up for any credit monitoring service after you place a security freeze, you may need to temporarily remove a security freeze from Experian, Equifax, and Transunion credit reports before you sign up for a credit monitoring service. Placing a security freeze after signing up for credit monitoring services does not affect the credit monitoring service at all.