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.

  • Why this is not a question about a software recommendation? A website is a piece of software. I am asking about a recommendation for a need that I have. Please expand why this question is off-topic.
    – scubaFun
    Mar 13, 2014 at 12:42
  • After reading this question: meta.softwarerecs.stackexchange.com/questions/191/…, I think that I understand the problem with my question. I hope that the changes that I made will make the question on-topic.
    – scubaFun
    Mar 13, 2014 at 12:50
  • Yes, that's the reason: we deal with software, i.e. ways to perform tasks on a computer, rather than with data sources. Sorry for not making the specific closure reason clear. Mar 13, 2014 at 12:53
  • I made some changes to the wording of the question. It is still off-topic?
    – scubaFun
    Mar 13, 2014 at 12:55
  • The boundary is fluid, but essentially you're still looking for a data source, no matter how you word the question. I personally don't feel strongly either way about this question, other community members may decide to reopen it or not. Mar 13, 2014 at 13:26

1 Answer 1


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.


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