Q: -what credit monitoring services you review will allow me to get my credit score more than once a year? Can I get scores whenever I want or are there restrictions
A: credit monitoring services often offer credit scores in the part of their total package. Several credit monitoring services we reviewed provide updated credit scores:
Identity Guard gives you all 3 credit scores when you sign up for their free trial, and then updates and scores every 3 months. You can see your credit scores when you want via their online interface. Identity Guard is the most comprehensive credit monitoring services that we examined, providing credit monitoring 3-bureau, credit ratings, scanning the Internet and public records of the fraudulent use of your personal information and free anti-virus software. If you register on our site, you can try Identity Guard free for 14 days then $ 14.99 per month thereafter ($ 3 discount off the standard monthly price).
Equifax Complete provides all 3 credit scores during registration and updated every 3 years. However, you get unlimited access to your Equifax credit score, so you can see the latest score whenever you want, as many times as you want via their online portal. Equifax Complete also includes 3-bureau monitoring and some nifty tools like Interactive Score Simulator for $ 16.95 per month credit.
total CreditCheck gives you 3 points per $ 1 when you sign up for their free 7 day trial. You also get unlimited access to all 3 credit bureau scores whenever you want. CreditCheck total is the most expensive service we are looking at $ 29.95 per month, but if you want to see your score and report on all the latest time that you want this might be a good deal for you. Pay for all 3 scores and report normally costs $ 50, so even if you're just checking them twice a month it is a lot.
NOTE: There is some confusion about whether the services with credit monitoring check your credit score will affect your credit score. It will not. You (or a credit monitoring service you sign up for) can check your credit report and score as many times as you want without any consequences.