I am looking for an credit monitoring application that can tell me regularly the

Question

I am looking for an credit monitoring application that can tell me regularly the changes on my credit. Here is what I am looking for:

Could be paid
Must be web-based
Must monitor the three main credit bureaus (Equifax, TransUnion, Experian)
Must be able to see my credit report on demand
Should alert me when suspicious activity is shown on my credit.

I am using the Credit Karma service, and although it is a great and free service, two of my biggest complaints are that it only shows what it is reported from TransUnion, and I need to wait for a week in order to refresh the credit information.

I need the tool to be web based, as I have many computers and want to access this from all of them without installing something on all of them.

Explanation / Answer

I would check out Mint Credit Monitor which is a familiy of the multi-award winner Mint, the budget manager, by INUIT INC.. It has most of the characteristics you are looking for:

They monitor the 3 biggest credit bureau Equifax, TransUnion, Experian
You can see your credit report whenever you are
The have identity thief protection (note: I haven't tested this personally nor I have someone to ask, since nobody has been victim)
Identity thief evaluation, which they monitor how much information about you is available and where
They don't offer suspicious spending themself but as part of the main product called Mint.
Credit score evaluation
Both services (Mint and Mint Credit Monitor) are not so integrated as they could made you think
Has a 14 day free trial.

Some of this features I haven't tested them myself due obvious reasons, as I haven't been in the need of them.

Related Questions

Navigate

• Browse (All)
• Browse I
• Subjects

Integrity-first tutoring: explanations and feedback only — we do not complete graded work. Learn more.