Best Credit Report Services

Are you trying to increase your credit so you'll be in a better position to make a large purchase soon? Do you want to verify that all the information on your credit report is true and make sure that your identity hasn't been compromised? There are a variety of credit reporting services that will allow you to monitor your credit and view your credit scores.

To help you decide which service is right for you, we have reviewed the five best credit reporting services. Read through our reviews, then you'll be able to decide which service is right for you.

Best 5: Credit Report Services Review

Recommendation #1

Identity Guard


Recommendation #2



Recommendation #3



Recommendation #4



Recommendation #5

Credit Sesame


Identity Guard

Identity Guard is designed to help keep you protected against identity theft. They will manage your credit to keep you protected against potential threats.

When you visit Identity Guard's website, you'll be able to easily find and sign up for the plan that best fits your needs. There are three different plans you can choose from. Each plan is offered for individuals or for families, allowing you to customize your protection.

The first plan is the Value Plan. It is the least expensive option and includes dark web monitoring and access to a risk management report. You will also be able to access tools that will allow you to browse the internet more safely.

Identity Guard

The Total Plan is Identity Guard's most mid-range option. In addition to everything included in the Value Plan, it also provides you with credit monitoring from all three bureaus, tax refund alerts, address monitoring, and a monthly credit score.

The Premier Plan is Identity Guards most comprehensive option. This option adds a credit score report and social insight report to the features included in the Total Plan.

When you decide to sign up with Identity Guard, you'll be able to do so quickly and easily on their website. After you sign up, you can set the items you would like them to monitor on your watch list.

Identity Guard

In the event something suspicious happens, you will receive an alert from Identity Guard. This will allow you to catch fraud as soon as it occurs, so you can act to remediate the issue as quickly as possible. If your identity is stolen, Identity Guard will help you recover it and will reimburse you some of the funds associated with the theft.


  • You can receive assistance and reimbursement if your identity gets stolen.
  • There are three package options for you to choose form.
  • You can choose to sign up for an individual or a family plan.


  • None of the credit reporting options are free.

IdentityForce will monitor your information 24 hours a day, 7 days a week. This can help ensure that any suspicious activity is caught and remedied before it gets too late.

There are four main components to IdentityForce's service. They are monitoring, alerting, controlling, and recovering. IdentityForce constantly monitors your information to detect any illegal activity or selling of your information.

If the IdentityForce team detects anything suspicious, their early warning system will let you know right away. They can send alerts to a smart phone, tablet, or desktop computer to make sure you will see the alert immediately.


IdentityForce also works to give you more control and protection for your identity. They will work with you to help you understand your credit score and learn how to improve it. Additionally, they will help you keep your information secure with features to protect your pin numbers, passwords, and keystrokes.

If your identity does get stolen, IdentityForce will work with you to help restore it. They will handle all the tedious tasks of making phone calls and completing paperwork that are involved in restoring an identity. You will also be covered by their $1 million identity theft policy.


  • IdentityForce will monitor your information and immediately alert you to any suspicious activity.
  • If your identity is stolen, they will take care of all the work that goes into restoring it for you.
  • You will be protected by a $1 million identity theft policy.


  • You cannot check your credit score for free.

Experian can help you monitor your credit and detect any malicious activity on your accounts. Experian's monthly plan is reasonably priced and will provide you with security and peace of mind. You can sign up to receive a free 30-day trial to see if their plan is right for you.

With Experian, you will receive identity theft monitoring and dark web surveillance. You will be notified if anything is detected on your account that requires your attention.

Experian also offers fraud resolution. So, if your identity is stolen, they will work with you to get it resolved as quickly as possible. They also offer up to $1 million in ID theft insurance.


You will receive alerts from Experian if someone puts in for a change of address using your name, attempts to take over your bank account, sets up an alias using your social security number, or if any changes to your credit are detected. They monitor your credit scores in all three credit bureaus.

The Experian Credit Lock feature will allow you to lock your Experian credit. This can help provide you protection against identity theft. It will also prevent people from accessing your file without authorization.


  • Experian will alert you anytime your information is used or accessed inappropriately.
  • They provide up to $1 million in ID theft insurance.
  • The Credit Lock feature lets you easily lock your Experian Credit.


  • You will only be able to view quarterly updates for your credit scores.

PrivacyGuard can help protect you from becoming the next victim of identity theft. PrivacyGuard will provide you with access to your credit reports and scores from TransUnion, Equifax, and Experian. You will be able to use this information to identify ways you can work to improve your credit.

PrivacyGuard also provides detailed monitoring of your personal information. If they detect any signs of fraud, they will send you alerts immediately. You can receive alerts by phone, text, or email to make sure you get notified immediately.

PrivacyGuard has an award-winning resolution team that can help you if your identity is stolen. The team will work with you through each step of the process to get your identity restored.


There are different plan options you can choose from. The Total Protection plan is the most comprehensive and will provide you with both identity protection and credit protection.

If you are interested in giving PrivacyGuard a try, you can sign up to receive 14 days of coverage for just $1.00. If you decide it is not the right fit for you, be sure to cancel your subscription before your trial is over to avoid getting charged for a full month.


  • If your identity is stolen, someone will help you through each step of getting it restored.
  • You can view credit reports from all three bureaus.
  • The Total Protection plan protects both your identity and your credit.


  • The Total Protection plan is more expensive than services offered by some other companies.
Credit Sesame

If you are looking for an easy way to manage your personal credit, consider signing up with Credit Sesame. Credit Sesame has an easy-to-use app that will help you monitor your credit.

When you sign up with Credit Sesame, you will receive a free credit score, your credit report, and credit monitoring. When you view your credit score, Credit Sesame will also help you understand what your score means, what is making it lower, and what you can do to improve your score.

You can also sign up for additional plans that add identity protection to your coverage. Their top coverage plan, the Platinum Protection plan, monitors public records, your social security number, and black-market websites. This plan also provides you with credit monitoring from all three bureaus, the ability to view one of your credit scores each day, 24/7 access to experts, and stolen or lost wallet protection.

Credit Sesame

You can browse through the different plan options offer by Credit Sesame to determine which one is right for you. After making a decision, you'll be able to sign up online and start receiving protection.

In addition to the paid subscription offers, Credit Sesame does off a free option. The free option will allow you to view your credit score from TransUnion each month.


  • You can use the credit score stimulator to see the impact applying for a new loan will have on your credit.
  • There is a free option which will let you view your TransUnion credit score each month.
  • The reports from Credit Sesame will help you understand your credit score and learn how you can work to improve it.


  • You will not receive as much protection against identity theft when compared with some other options.

Buying Guide

A credit reporting service can help you keep an eye on your credit to ensure that your identity is not compromised. It can also help you know where you currently stand if you are working to improve your credit to make a large purchase in the future. Before you select a credit reporting service to sign up for, you will want to compare the features and benefits of each of the different options we reviewed above.

First, consider the cost of the different plan options. Is there a free option that will allow you to view your credit reports? Do the other plans seem reasonably priced based on what they offer?

Be sure to pay attention to whether you'll be able to monitor your credit scores with all three credit bureaus, or just one or two. Choosing an option that will allow you to monitor all three scores will provide you with more protection and a more comprehensive view of your credit.

Next, consider whether/how you will receive alerts if there are any threats to your identity. Also consider whether the plan you sign up for will include support or financial compensation if your identity does get stolen.

Top Pick

Our top credit reporting service pick is Identity Guard. This service can help you manage your credit and make sure your identity is secure.

They have three different plan options designed to help you feel confident that your information and identity are safe. Each option is available for individuals or families, so you'll be able to find the best option for your individual circumstances and needs.

Identity Guard

If your identity does get stolen, you will receive support from Identity Guard as you work to recover it. They will also reimburse some of the funds you lost when your identity was stolen.

Signing up with Identity Guard can provide you with peace of mind. You'll rest easy knowing your credit is being monitored and your identity is protected. Visit their website to sign up today.

Frequently Asked Questions

What Are the Three Credit Bureaus?

The three credit bureaus are Experian, Equifax, and TransUnion.

Why Are There Three Credit Bureaus?

There are three different credit bureaus because each bureau uses a different method to report your credit scores. This variation in the way information is reported will cause your credit score to vary within the three different bureaus.

Where Can I Get All Three Credit Reports for Free?

Each year, federal law allows you access to reports from the three major credit bureaus. You can choose to request them all at the same time, or you can request each one at a different time throughout the year. If you want to get copies of your reports more frequently than this, you will need to look into a credit report service.

Does Checking Your Credit Report Hurt Your Credit Score?

No, checking your own credit score does not hurt your credit or cause your score to lower. Sometimes, it may become lower when a lender runs a check of your credit.


Official Top 5 Review Team
Official Top 5 Review Team

The Official Top 5 Review team is dedicated to testing and researching the top products available for many different industries. We do the research and testing so that you don't have to! We welcome you to provide your feedback on your experiences with any products that you have experience with.

We will be happy to hear your thoughts

Leave a reply

Official Top 5 Review