FreeScoresAndMore vs. Identity Guard :? Which service is the best

FreeScoresAndMore vs. Identity Guard :? Which service is the best

- Your credit scores are the lifeblood of your financial health. They determine whether you will be approved for the important things like a home loan, credit card and almost everything else. Not only will your credit score determines whether you approved, but also determine what type of interest rate you will get. The difference between 4% and 6% interest on a home loan can be tens of thousands of dollars over the life of the financial agreement. Even a low APR on a credit card will save you a lot of money if you carry a balance each month. But credit report monitoring services do more than just tell you your credit score. They give you updated credit reports, and help you keep tabs on all errors on them, which is not uncommon. Considering that four Americans have errors on their reports, which could affect their credit scores, according to results of a 2013 study FTC, tracking credit report is a useful tool. Because there are so many credit report monitoring services available, between us two of our best services against each other to determine which is best.

What does FreeScoresAndMore?

FreeScoresAndMore is fantastic service, especially considering the price. For $ 14.99 / month (after our 25% reduction), including a free 30-day trial, you will have complete monitoring of the credit report and instant access to your credit report and scores from three main offices credit - Equifax, Experian and TransUnion - after signing. The information is carefully organized, which makes the analysis of these data a breeze. It even comes with a financial calculator for you to see how things possible, such as opening a new credit card or apply for a home loan could affect your scores. With FreeScoresAndMore, your scores and reports are updated monthly, which is nice because you always know what your credit looks like. If something is added or edited on one of your credit reports, you will receive an alert in real time. These alerts help you catch potential errors or fraud as it occurs.

There is also a decent protection of identity theft with FreeScoresAndMore. In case your identity is stolen, a dedicated social worker will help you go through the whole process of restoring your identity. The overall package of identity monitoring tools, however, are not quite as good as our next opponent.

What is the offer Identity Guard?

Identity Guard packets in a large number of services for only $ 14.99 / month (after our 25% discount). It also comes with a generous free trial for 30 days so you have plenty of time to test the service and make sure you like it before you pay anything. After entering some of your personal information, such as your name, address and social security number you will be entered and immediately receive your reports and credit scores from the major credit bureaus (Equifax, Experian and TransUnion). After that, your reports and your credit scores will be updated quarterly. With Identity Guard, you can also receive daily credit alerts if any changes are reported. This way, you can spot errors or fraudulent activity and stop it before it wreaks havoc on your credit reports.

Identity Guard also comes with powerful tools of identity theft such as Internet monitoring the black market and public folders. These analyzes your information - such as your social security number, credit card numbers, address and date of birth - are not sold, traded or used on websites of the black market or public records. You also get a lost wallet protection, which helps you keep a list of everything that you carry in your wallet so you can easily cancel everything if your wallet is ever stolen or lost, and access to unity of identity theft recovery, which will help you through the recovery process in the event that your identity is stolen. The identity of the identity of the Guard flight service is also ideal for families because you can control the personal information (under the age of 18) to your child about criminal records, DMV records, utility records and the Internet black market for $ 5 / month.

What service should I choose?

They are both excellent services, which offer a great credit report monitoring at a very reasonable price. While you would not go wrong with either service, Identity Guard whines advance because of its complete identity protection tools against theft. That said, since the two FreeScoresAndMore Identity Guard and come with a free 30-day trial, you can register for each one and then determine that you prefer before making any financial commitment.

Visit our credit report monitoring examinations to find out more about these services and how they compare to others we are considering.