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Types of Credit Monitoring Services
There are various types of credit monitoring services, each offering distinct features. Basic services typically provide alerts for changes in your credit report, such as new accounts or hard inquiries. More comprehensive plans may include identity theft protection, credit score tracking, and even insurance against identity theft losses.
1. **Basic Credit Monitoring**: These services alert you to changes in your credit report, helping you spot potential fraud early. They often cover one or two of the major credit bureaus.
2. **Comprehensive Credit Monitoring**: These plans monitor all three major credit bureaus—Experian, Equifax, and TransUnion—and include additional features like identity theft protection and credit score updates.
3. **Identity Theft Protection Services**: Beyond monitoring your credit, these services offer tools to safeguard your personal information, such as dark web surveillance and identity recovery assistance.