HomeGuidesThree-Bureau Credit Monitoring: The 3 Best Options In 2023

    Three-Bureau Credit Monitoring: The 3 Best Options In 2023

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    If you’re looking for the best way to monitor your credit, there are three main options. The first is using a two-bureau credit monitoring service. You can get one of these from Experian or Equifax, which report on both of their databases at once. Then there’s the three-bureau option where you have access to all three agencies’ data at once—and this is where we’ll focus our attention in 2023.

    What is a credit score?

    A credit score is a number that represents your creditworthiness. It’s based on the information in your credit report, which lenders use when determining whether or not to approve you for loans or other financial products.

    The three main factors that determine a person’s score are:

    • Payment history: How much money you owe and how often you pay back debts (the more time it takes for them to be paid off, the lower this score will be)
    • Credit utilization: The percentage of available credit that has been used by an account holder; if this percentage exceeds 30%, then it will reduce their overall rating (and potentially lower their interest rate)

    Who can use a three-bureau credit monitoring service?

    There are a few things to consider before deciding on a three-bureau credit monitoring service. First, it’s important to understand that there are varying levels of security and privacy involved in each service. For example, you may want your identity protected from fraud or someone else who wants to see your report without permission (e.g., an employer who isn’t aware that you’ve been denied credit). In addition to these concerns about privacy and security, there are also some differences between the different types of services available so you can choose one based on your needs and budget:

    • Two-Bureau Credit Monitoring—This type of monitoring allows users access only two bureau reports (Equifax and TransUnion) rather than all three bureaus combined as in other options discussed further down this page. This means less information on file at any given time but still provides enough data points for anyone interested in seeing what’s going on with their financial situation over time; however, this option won’t give users much insight into how accurate those reports might be since they only have access through Equifax’s database instead.”

    How we evaluated the best three-bureau credit monitoring services

    We looked at the most popular services and evaluated them based on their popularity, value for money and comprehensive coverage. Our team also reviewed user-friendly features, reliable customer service and overall reputation of each service.

    We found that credit monitoring can be an important tool for both individuals and businesses, so we made sure to include all three major types of monitoring: Three-Bureau Credit Monitoring (TCM), TransUnion Risk Solutions (Truescore) and Equifax Risk Solutions (Cramer).

    The 3 best three-bureau credit monitoring services of 2023

    • Credit monitoring services are a great way to keep track of your financial health and can be used as a preventative measure. The three best options in 2023 are LifeLock, Experian IdentityWorks Premium, and ID Watchdog Platinum Plus.
    • LifeLock is a popular credit monitoring service that provides 24/7 access to your credit report and scores from all three major bureaus (Experian, Equifax and TransUnion). You can also monitor the activity on your accounts through their website or mobile app so you know exactly what’s happening with them at any given time. You will receive notifications if someone opens or closes an account on which you have an existing line of credit or charge card – this includes new accounts opened by people who already have one!
    • Experian IdentityWorks Premium offers similar benefits as LifeLock but adds additional services such as identity theft protection for $39/year ($49/year). If someone obtains access to personal information from one of these sources then they’re automatically added into their system so it’s easy for users like yourself who want full control over their accounts without having worry about fraudulent activity taking place due lack knowledge how common scams occur nowadays especially when dealing with technology-based systems like smartphones today.”

    #1 LifeLock

    LifeLock is one of the most comprehensive credit monitoring providers on the market, with a full suite of tools and services that can help you monitor your accounts.

    The name LifeLock may be familiar to you if you were ever affected by identity theft or fraud. The company was founded in 2003 by then-CEO Todd Davis after he was hit with a $16 million scammer who stole his personal information and used it to file fraudulent loans against him. In today’s world there are more ways than ever before for people to lose their identities—and this includes financial crimes such as investment fraud or identity theft scams (which often target seniors).

    LifeLock offers protection against both types of crime through its Identity Theft Protection Program. This service includes credit monitoring (via Experian), as well as identity theft insurance coverage if your sensitive data is compromised at any time during an ongoing investigation into unauthorized use of your personal information (which could happen if someone uses another person’s Social Security number).

    #2 Experian IdentityWorks Premium

    Experian IdentityWorks Premium is the best option if you want a full suite of tools that can help you track and protect your credit, identity theft insurance, and even a free credit report. This service comes with a $1 million guarantee on its services. It also includes:

    • Identity monitoring: You’ll receive alerts when someone applies for new accounts in your name or opens an existing one; it will show you how many accounts are opened in the past 90 days so that you can monitor them individually or as part of an overall strategy
    • Credit score tracking: Get access to Experian’s proprietary algorithm that analyzes over 500 different factors when scoring your FICO® Score—and tell whether it’s heading towards poor behavior (red) or good behavior (green).

    #3 ID Watchdog Platinum Plus

    If you’re looking for the best way to monitor your credit and identity, ID Watchdog Platinum Plus is a great option. This service offers a full suite of tools, including credit monitoring and identity theft protection. It’s also the only service that provides access to your credit report from all three major credit bureaus—TransUnion, Experian and Equifax—so it gives you an accurate picture of your overall financial health at any given time.

    It’s important when choosing any type of monitoring program that you understand how it works in practice; otherwise, it could cause unnecessary stress or anxiety by letting you see too much information about yourself or by sending alerts about changes in your account balances without giving them enough context so they don’t cause concern unnecessarily (which could lead people towards panicking).

    LifeLock is our top choice because it offers comprehensive monitoring and protection with a full suite of tools.

    When it comes to credit monitoring and identity protection, LifeLock is our top choice. It offers comprehensive monitoring and protection with a full suite of tools.

    The LifeLock service gives you access to your reports from three different companies in one place: Equifax, Experian and TransUnion. This means that you can check your credit score at any time without having to visit multiple websites or apps—just log into the same login page on all three sites for instant access! You’ll also receive alerts about suspicious activities like identity theft or new accounts opening up in your name when they’re reported by either company’s database.*


    As you can see, there are many different types of credit monitoring services out there. If you’re looking for a way to keep tabs on your credit and ensure that nothing bad happens while learning how to prevent it in the future, LifeLock is definitely worth considering. It offers comprehensive monitoring and protection with a full suite of tools that monitor all three major credit bureaus.

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