myFICO.com is currently offering a 20% discount off the Suze Orman FICO Kit, which includes your 3 FICO credit scores and 3 credit reports, valid until August 31, 2008.

Get 20% off all 3 of your FICO credit scores from the major credit bureaus, including Equifax, Experian, and TransUnion, plus get access to all 3 of your credit reports as well.

Sign up for the Suze Orman FICO Kit and enter the myFICO.com promotional code SUZEFKP for 20% off your credit scores and credit reports.

The Suze Orman FICO Kit from myFICO.com normally costs $49.95, but the price is only $39.95 with the 20% discount.

myFICO offers immediate online access to your credit scores and credit reports when you sign up for their services, plus you’ll receive credit tips and credit score information to help you get out of debt quicker and learn how your FICO scores affect your interest rates.

Read our myFICO Credit Services Review for more information on myFICO credit monitoring, credit reporting, and credit score services.

Just make sure to take advantage of the myFICO promotional code SUZEFKP by August 31, 2008, to get your 20% discount on the Suze Orman FICO Kit.

The Chase Identity Protection program provides immediate online access to your credit reports and credit scores from all 3 credit bureaus as well as 24/7 credit bureau monitoring services with automatic email alerts.

Chase Identity Protection offers a free 30-day trial period that allows you to access your credit reports and credit scores for free while reviewing the Chase credit monitoring services.

You’ll receive immediate online access to your 3 credit scores and 3 credit reports when you sign up for the free 30-day trial period.

You’ll also be enrolled in Chase’s 3-bureau credit monitoring services that constantly monitor your credit bureau reports at Experian, Equifax, and TransUnion and automatically alert you to any changes that may indicate your credit files have been compromised.

It’s absolutely free to sign up for the 30-day trial, and you can cancel at any time during your 30-day trial period without any penalties, but if you don’t cancel your membership within the first 30 days, you will automatically be charged the low monthly service fee of $11.99 for each month following the initial free 30 days on the credit card you provided during your registration.

Chase Identity Protection will continue to provide you with unlimited online access to your credit reports and credit scores as long as you are a member as well as protection against identity theft and credit fraud through 3-bureau credit monitoring.

Credit Scores and Credit Reports

You will receive immediate and unlimited online access to your 3-in-1 credit reports and credit scores from Experian, Equifax, and TransUnion when you sign up for Chase Identity Protection services.

You’ll receive consumer report information to help you understand your credit reports and credit scores as well as personal assistance with your credit report review.

Chase Identity Protection also provides its offline members with unlimited access to single-bureau credit reports and scores if you prefer to receive a hard-copy of your credit report and credit score.

Credit Monitoring Services

Chase Identity Protection will provide you with 3-bureau credit monitoring services at Experian, Equifax, and TransUnion.

Chase monitors your 3 credit reports on a 24/7 basis for any changes that may indicate your credit files have been compromised, such as new inquiries, new accounts, new addresses, new employers, improved accounts, delinquent accounts, fraud alerts, new public records, and accounts impacted by bankruptcy.

Automatic Credit Monitoring Alerts

You will receive automatic notifications if any changes occur to any of your 3 credit reports.

You can choose to receive daily email alerts or weekly mailed alerts, plus you can request to only receive customized alerts for select credit report activities.

Once you receive an alert, you can verify if the change to your credit report is correct or dispute it immediately if it’s fraudulent.

Identity Theft and Credit Repair Assistance

In the event of identity theft, Chase Identity Protection provides a personal case manager who will help you investigate, report, and resolve any inaccuracies.

You’ll also have access to trained representatives who can help you initiate and facilitate disputes of any accuracies discovered through your credit report or daily monitoring.

$100,000 in Identity Theft Insurance

Chase Identity Protection provides $100,000 in identity fraud reimbursement insurance for eligible expenses including: pre-approved legal defense fees and expenses; costs for re-filing loan applications; costs for notarizing documents, long-distance phone calls, and postage; and lost wages of up to $1,000 per week for up to 5 weeks.

30-Day Free Trial

You’ll get full access to all Chase Identity Protection services when you sign up for the 30-day free trial period, including your 3 credit reports, 3 credit scores, and 3-bureau credit monitoring services.

It’s absolutely free to sign up for the 30-day trial, but if you do not cancel your membership before the 30-day free trial period expires, the low monthly membership fee will automatically be charged to the credit card you provided during registration for each month following the initial free 30 days.

Low Monthly Service Fee with No Commitment

The low monthly membership fee of $11.99 will automatically be billed each month after the trial period expires.

You can cancel your membership at any time and receive a full refund of the most recently billed membership fee.

Chase Identity Protection is available to anyone, as you do not need to be a current Chase customer to sign up for the Chase Identity Protection services.

Chase Identity Protection services offer instant online access to your credit scores and credit reports from all 3 credit bureaus as well as 24/7 credit monitoring services to help protect you against identity theft and credit fraud with a free 30-day trial period and a low monthly fee thereafter.

Your Official Credit Report is currently offering a free $25 gift card or gas card when you sign up for their free credit monitoring services trial offer.

Your Official Credit Report provides unlimited online access to your credit report, credit report monitoring services with automatic notifications of changes on your credit report via email or online, up to $20,000 in identity theft insurance, and free tips on improving your credit score.

You’ll also receive access to credit report repair services to help you fix errors on your credit reports.

Your Official Credit Report offers a free trial that allows you to review their credit reporting services for free and receive a free $25 cash bonus.

You’ll receive a single free credit report and access to members-only credit services when you sign up for the free trial, and if you do not cancel within 72 hours, Your Official Credit Report will automatically extend your free credit monitoring trial membership for 7 additional days and only charge you a $2.49 setup fee.

You can cancel at any time within this 10 day trial period and you will not be charged the $22.91 monthly service fee.

The $25 cash bonus will either be a $25 merchant gift card, including Walmart and Target, or a $25 gas card, but it’s important to understand that the $25 gift cards are only available while supplies last, so take advantage of this offer soon.

Sign up for the Your Official Credit Report free trial offer to receive a free $25 gift card or free $25 gas card as well as access to your credit report, credit monitoring services, and the opportunity to improve your credit score.

Additional Credit Reporting and Monitoring Resources

Read our Equifax Credit Services Review for information on receiving credit monitoring, credit reports, and credit scores.

myFICO Credit Services provide credit monitoring, credit reports, and credit scores from the inventor of the FICO score.

Check out our LifeLock Credit Protection Review for details on how to block identity theft and protect yourself against credit fraud.

Equifax offers various credit monitoring services including credit report monitoring and credit score monitoring services as well as access to your credit reports and credit scores.

Equifax is one of the 3 major credit bureaus that are used by lenders to review your credit history when qualifying you for a loan, so they’re a trusted source for credit reporting services.

Equifax offers a variety of credit monitoring services to fit your particular needs, whether you are trying to improve your credit score or want to monitor your credit report for signs of identity theft.

Equifax can help protect you against identity theft and credit fraud by monitoring your credit reports for any fraudulent activities on a daily basis, and Equifax can help you assess your credit score by monitoring your FICO credit score for signs of improvement.

Equifax can also provide you with access to your credit reports and credit scores to help you review your credit history and understand your credit score before applying for a loan.

Equifax Credit Report Monitoring Services

Equifax offers various credit report monitoring services to help protect you against credit fraud and identity thieves.

Equifax Credit Watch Gold with 3-in-1 Monitoring and Score Power

Get Credit Watch Gold with 3-in-1 Monitoring and Score Power Now!

Equifax Credit Watch Gold with 3-in-1 Monitoring and Score Power monitors your credit reports from the 3 major credit bureaus on a daily basis, including Experian, Equifax, and TransUnion, and notifies you via wireless alerts within 24 hours of any key changes that could indicate unauthorized activity in your credit reports.

You’ll receive immediate online access to your 3-in-1 credit reports from all 3 major credit bureaus and your FICO credit score, plus you’ll get unlimited access to your Equifax credit report.

You’ll also get up to $20,000 in identity theft insurance to protect you in the event that you become a victim of identity theft while using Equifax.

Equifax Credit Watch Gold with 3-in-1 Monitoring and Score Power costs $14.95 per month, and it provides the most comprehensive protection available.

Equifax Credit Watch Gold with 3-in-1 Monitoring

Get Equifax Credit Watch Gold 3-in-1 Now!

Equifax Credit Watch Gold with 3-in-1 Monitoring provides daily credit report monitoring for all 3 credit bureaus and sends you wireless alerts within 24 hours of any key changes or signs of identity theft or credit fraud.

You’ll also receive your free 3-in-1 credit report and have unlimited access to your Equifax credit report, plus you’ll receive up to $20,000 in identity theft insurance.

Equifax Credit Watch Gold with 3-in-1 Monitoring costs $12.95 per month, however, you won’t receive access to your credit score.

Equifax Credit Watch Gold

Get Credit Watch Gold Now!

Equifax Credit Watch Gold provides daily monitoring of your Equifax credit report and notifies you via email or wireless alerts within 24 hours of any key changes.

You’ll also receive unlimited Equifax credit reports and have up to $20,000 in identity theft insurance to protect you against identity fraud.

Equifax Credit Watch Gold is $9.95 per month, but it only monitors your Equifax credit report and doesn’t provide access to your credit score.

Equifax ID Patrol

Get Equifax ID Patrol Now!

Equifax ID Patrol monitors your credit files at the 3 major credit reporting bureaus on a daily basis and alerts you to any key changes in your credit reports.

ID Patrol also scans the Internet for your personal information and alerts you if your financial data is being traded on illegal websites.

ID Patrol gives you the ability to lock and unlock your Equifax credit file in real time, so you can control who has access to your credit report, which prevents identity thieves from ever accessing your information in the first place.

You’ll also receive your 3-in-1 credit report and unlimited access to your Equifax credit reports, plus up to $20,000 in identity theft insurance.

Equifax ID Patrol costs $14.95 per month, and although it doesn’t provide access to your credit score, it does offer comprehensive identity theft protection by monitoring the Internet for suspicious activities involving your personal information.

Equifax Credit Score Monitoring Services

Equifax provides Score Watch to help customers monitor their credit score and achieve the highest credit scores possible.

Score Watch

Get Equifax Score Watch Now!

Equifax Score Watch monitors your FICO credit score on a continuous basis and notifies you when a change to your FICO score impacts the interest rate you are likely to receive, in addition to providing explanations of credit score changes and tips to help you improve your credit score.

You’ll receive 2 free Score Power reports, which provide access to your FICO credit score, plus discounts on additional Score Power reports.

You’ll also receive daily monitoring of your Equifax credit report with notifications of key changes that could be the result of credit fraud.

Score Watch costs $9.95 per month, and it’s ideal for monitoring your credit score for signs of improvement.

Equifax Credit Reports and Credit Score Services

Equifax provides access to your credit reports from the 3 major credit bureaus as well as access to your FICO credit score.

Score Power

Get Equifax Score Power Now!

Equifax’s Score Power provides you with instant online access to your FICO credit score and Equifax credit report.

Score Power offers tips and information on your credit score and access to the Interactive Score Simulator, which shows you how your actions will affect your credit score.

Score Power has a one-time fee of only $15.95 to receive access to your credit score and credit report.

3-in-1 Credit Report with Score Power

Get an Equifax 3-in-1 Credit Report with Score Power Now!

Equifax’s 3-in-1 Credit Report with Score Power offers immediate online access to your 3-in-1 credit report from the 3 major credit bureaus, plus you get access to your FICO credit score and additional features to help you understand your credit score.

The 3-in-1 Credit Report with Score Power has a one-time fee of $39.95, with the main benefit over Score Power being that you get access to all 3 of your credit reports instead of just your Equifax credit report.

3-in-1 Credit Report

Get a 3-in-1 Credit Report Now!

Equifax’s 3-in-1 Credit Report provides immediate online access to your credit reports from the 3 major credit bureaus including Equifax, Experian, and TransUnion with a wide range of tools and information needed to help you understand your credit reports and access to Equifax’s free online dispute features to help you fix errors on your credit reports.

The 3-in-1 Credit Report from Equifax has a one-time fee of $29.95.

Equifax Credit Report

Get Your Equifax Credit Report Now!

Equifax Credit Report provides access to your single credit report from Equifax to get a quick assessment of your credit history, plus additional tools to help you understand your credit report.

The Equifax Credit Report has a one-time fee of $10.50.

Equifax offers personal assistance and friendly customer services to assist you with any questions you may have regarding your credit reports and credit scores, plus they can help you dispute errors in your credit reports that may help you improve your credit score.

You can always Order Your Credit Reports for Free at least once a year, but you won’t be able to receive free access to your credit scores or get credit monitoring services to help protect your identity, plus Equifax provides many additional services to help you understand your credit reports and credit scores.

Credit Monitoring Services are an excellent way to protect your identity and help prevent credit fraud, and Equifax is one of the major credit bureaus and a trusted provider of credit file information.

Take advantage of Equifax credit monitoring services to protect your identity and monitor your credit score for signs of improvement.

TrustedID identity theft protection services is currently offering a 10% discount on their identity protection services, valid through August 15, 2008.

TrustedID provides a wide range of credit protection and identity theft prevention services including credit report evaluations, credit card monitoring, credit bureau fraud alerts, and identity theft insurance.

Sign up before August 15, 2008, using the TrustedID promotional code ZME4986, and you’ll receive 10% off your TrustedID services.

Credit Monitoring Services are an excellent and easy way to protect yourself from identity theft and credit fraud, and TrustedID takes many steps to protect your identity.

Read our TrustedID Product Review for more details on the services they provide to stop identity thieves from stealing your identity.

Even if you don’t sign up for TrustedID, make sure you Order Your Free Credit Reports at least once a year to monitor your credit report for signs of credit fraud.

TrustedID can help protect your credit history and stop identity thieves from committing credit fraud in your name, so take advantage of this 10% discount from TrustedID while it lasts.

LifeLock credit protection services has added additional identity theft prevention features to help protect your personal information from identity thieves and prevent criminals from committing credit fraud in your name.

LifeLock identity theft services protect your personal identity from credit thieves and monitor your personal information for identity fraud.

Unlike Credit Monitoring Services that alert you to fraudulent activity in your credit files after your identity has already been compromised, LifeLock helps block identity thieves from ever applying for credit in your name by maintaining fraud alerts on your credit report.

Fraud Alerts

LifeLock maintains credit bureau fraud alerts, which inform creditors who are reviewing your credit reports that they should verify your identity before issuing credit in your name, either by calling you or taking additional actions to verify your personal information further.

However, fraud alerts cannot provide complete protection and are not always 100% effective, because laws do not require creditors to take any additional actions when they see fraud alerts on your credit reports.

That’s why LifeLock continuously updates their services and takes additional measures to protect your identity and prevent credit fraud.

LifeLock has introduced two new services to their program known as eRecon and TrueAddress.

eRecon

eRecon is designed as a defense against the increase of information being illegally traded or sold online. LifeLock’s eRecon technology monitors thousands of websites, Internet bulletin boards, and chat rooms that are used by criminals to illegally sell credit card numbers and trade personal identities. If your personal information or financial data is found online, you will be notified immediately by phone.

TrueAddress

The U.S. Postal Service reports that 45 million change-of-address forms are filed annually, and these change-of-address forms can be used by identity thieves to obtain your personal information. LifeLock’s new TrueAddress alerts you if any new address information is associated with your name in address databases nationwide.

In addition to these new services, LifeLock provides other identity theft prevention services and features to help protect your identity.

WalletLock

LifeLock’s WalletLock provides you with assistance if your wallet gets lost or stolen. WalletLock specialists will help you contact each of your credit card issuers, banks, and document issuing companies to cancel your affected accounts and complete the paperwork and steps necessary to replace your lost credit cards and/or stolen documents, including your Credit Cards, debit cards, driver’s license, social security card, insurance cards, checkbook, and travelers checks.

Junk-Mail Lists Removal

LifeLock makes sure your mailing address is removed from the junk-mail lists that creditors use to send you pre-approved credit applications and financial offers. Thieves can steal these from the mail to apply for credit in your name, not to mention the waste of paper and annoyance factor.

Credit Reports

LifeLock will automatically order your 3 credit reports from Experian, Equifax, and TransUnion when you sign up for their services, plus they’ll make sure you get all 3 of your credit reports once each year, so you can monitor any errors in your credit reports.

You are entitled to Order Your Free Credit Reports from each of the 3 credit bureaus once a year by law, but LifeLock will take care of this for you automatically.

$1,000,000 in Identity Theft Insurance

LifeLock backs up their services by providing you with $1,000,000 in identity theft insurance protection. If your identity is ever stolen while you are a LifeLock member, they will do everything possible to fight for your good name and repair your credit, with a $1,000,000 guarantee.

LifeLock identity theft prevention helps you protect your identity at the low cost of only $9 per month or $99 per year.

Get Your First 30 Days Free when you use the LifeLock promotional code RD4.

However, it’s important to understand that many of these services can be done on your own for free.

Blocking Identity Theft for Free is possible, as you can set your own fraud alerts, stop junk mail, and order your credit reports for free, but it may be worth hiring LifeLock to do it for you at such a low cost, because they guarantee their services and provide online monitoring and additional features that you just can’t do easily on your own.

Review our article on myFICO Credit Monitoring and Credit Scores for more options on obtaining your credit scores and monitoring your credit reports.

Take advantage of LifeLock identity theft protection services to monitor your identity and help prevent credit fraud.

Identity Guard is currently offering free credit monitoring of your Equifax credit bureau file for 3 months, with no commitments or cancellation requirements.

Identity Guard provides various identity theft protection services including credit monitoring and Internet monitoring as well as access to credit reports and credit scores.

Plus, you can get 3 months of free credit monitoring when you sign up through the Identity Guard refer-a-friend program, and you don’t even need to receive an actual referral from a current member.

The 3 month free trial offers daily monitoring of your Equifax credit bureau file with email alerts when any changes are detected. Identity Guard will also set fraud alerts at the 3 major credit bureaus to help guard you against credit fraud. Plus, you’ll get access to toll-free customer service.

You do have to provide personal information when you sign up for the free trial, including your credit card information, but this information is only used to verify your identity and monitor your credit files.

They will NOT CHARGE YOUR CREDIT CARD at the end of your 3-month trial.

Unless you choose to extend your service, your trial membership will automatically expire at the end of the 3 months, and you will not be billed.

Although this service does not monitor all 3 credit bureaus, it’s an excellent option to get free daily credit bureau monitoring for 3 months, and single-bureau credit monitoring is better than nothing.

The Identity Guard Refer-A-Friend program is available to anyone, members and non-members, and you can even refer yourself, so everybody can take advantage of this offer.

There is no limit on who can refer whom or on how many referrals you can make, although you may not be able to receive multiple free trials, but further information isn’t available to confirm this.

Visit the Identity Guard Free Trial Sign Up Link to sign up for free credit bureau monitoring today.

This is the official email referral link, in case don’t want to take 2 seconds to refer yourself. Either way, no compensation is received for providing a referral, even if the customer goes on to pay for further services, so the only benefit is the free trial.

If you are serious about monitoring your credit, then you should consider paying for 3-bureau credit monitoring from Identity Guard, which also includes Internet monitoring and access to your credit reports and scores.

Read our Identity Guard Review for more information on the services they provide for protecting your identity.

Take advantage of this 3 month trial offer for free credit monitoring to help protect your identity and prevent credit fraud.

Thanks and enjoy maximizing money.

Identity Guard provides credit monitoring services and identity theft protection as well as access to your credit reports and credit scores.

Identity Guard monitors your credit files at Experian, Equifax, and TransUnion on a daily basis, and they monitor the Internet for fraudulent activity involving your personal information and important financial data.

In addition to monitoring your credit files and personal identity, Identity Guard will maintain fraud alerts at all 3 credit bureaus, which help protect you against credit fraud (Read this article to Set Fraud Alerts for Free).

They also provide access to your credit reports and credit scores, either through one of their credit monitoring plans or separately, depending on your needs.

Identity Guard offers 4 basic credit monitoring and identity theft prevention packages, which are labeled as Level 1 through Level 4.

Level 4, Identity Guard® Total Protection, provides the most protection.

All 4 levels provide basic protection like credit monitoring with email notifications and fraud alerts; however, only levels 3 and 4 monitor all 3 credit bureaus, so if you’re serious about protecting your identity, you should only consider these two options.

Both Level 3 Extra Caution and Level 4 Total Protection provide daily credit monitoring at all 3 bureaus, quarterly updates of your 3-bureau credit report and score, daily Internet monitoring, fraud alerts, and up to $20,000 in identity theft insurance with a $250 deductible.

Level 4 also provides public record profile monitoring and Internet scanning for fraudulent applications in your name, and since Level 4 is only a couple of extra dollars, it may be the best option.

Identity Guard® Extra Caution, Level 3 protection, has a special price of $11.99 per month with your second month free, or you can pay $129.95 for the entire year, which will save you about $25 per full year of payments.

Identity Guard® Total Protection, Level 4 protection, has a special price of $14.99 per month with your second month free, or you can pay $169.95 for the entire year, which will save you about $10 per full year of payments.

You can also choose from various combinations of reports, scores, credit card registration services, and personal identity monitoring packages, so you can pick only the features you want. Visit the Identity Guard Site Map for a full list of services (listed under the Fight Back section on the site map).

However, the Identity Guard Level 4 Total Protection package is probably the best option to completely protect your identity and receive regular access to your credit reports and credit scores.

Identity Guard also provides toll-free customer service with all of their packages to assist you in an emergency and answer any credit questions you may have.

The Identity Guard Free Trial Offer even allows you to get free credit monitoring for 3 months with no commitments.

Read our article on Credit Monitoring Services for more information on monitoring your credit.

You may also want to Order Your Free Credit Reports to check for errors and monitor your credit files at least once a year.

Take advantage of Identity Guard® Total Protection identity theft prevention services to monitor your credit files and secure your financial information, plus receive access to your credit scores and credit reports.

Thanks and enjoy MaximizingMoney.com.

IdentityTruth is an identity theft protection service that monitors your personal data, maintains fraud alerts, and provides various other credit fraud protection services to help guard you against identity thieves.

IdentityTruth offers a wide range of services that can help protect your identity, monitor your personal information, give you constant access to your current credit report, and even predict if your identity is likely to be stolen in the future.

They also offer an absolutely free trial for 90 days (i.e., no credit card required, no cancellation necessary, no social security needed, etc.), which rates your risk level, notifies you of possible unauthorized events associated with your identity, and informs you if your personal data may have been breached.

IdentityTruth Features

IdentityTruth offers the following services to help protect your identity.

Personal Data Exposure Monitoring

IdentityTruth tracks thousands of data breaches every year from companies like banks, schools, government agencies, retail stores, websites and many other institutions that lose peoples’ personal information, which happens to about 100 million personal data records each year.

Then, based on your potential or actual associations with these companies, they alert you to instances where your personal data could have been compromised.

Simple exposure of your personal data doesn’t guarantee you’ll be a victim of identity theft, but this early notification can help you safeguard your privacy.

Public Data Source Monitoring

IdentityTruth monitors your personal data including financial transactions, your social security number, employment information, credit data, addresses, phone numbers, marriage records, and court records for patterns of fraudulent identity activity and possible credit fraud.

If they find unusual activity, like a new phone number or an application for a rental property in your name, they alert you to this activity and advise you on the necessary actions needed to prevent further damage.

It’s important to understand that IdentityTruth does not monitor your credit reports at the credit bureaus. However, although Credit Report Monitoring Services do provide a valuable service, they do not necessary stop identity theft, as they only report changes in your credit report to you after they have already occurred, which means your identity has already been used to commit fraud by the time you are notified.

Instead of monitoring your credit reports and reporting identity theft after the fact, IdentityTruth monitors public data sources to help prevent credit fraud from ever being committed against you in the first place.

24/7 Internet Monitoring

IdentityTruth monitors the Internet on a 24/7 basis, tracking thousands of fraudulent websites, both domestically and overseas where 80% of identity fraud is perpetrated, for signs that your personal identity has been compromised.

Identity Breach Alerts

IdentityTruth will automatically notify you of any suspicious activity involving your personal identity via email or text messaging directly to your cell phone immediately upon identifying any issues, and they will take prompt action on your behalf to find a resolution if you are ever a victim of identity theft.

Fraud Alerts

IdentityTruth places fraud alerts on your credit reports at the 3 major credit bureaus, Equifax, Experian, and TransUnion.

Fraud alerts are an indication to potential creditors that they should take reasonable actions to verify your identity before issuing credit in your name.

This does add an extra level of protection, but unfortunately, there are no actual laws that require creditors to verify your identity when you set a fraud alert, so in the real world, the appropriate steps to verify your identity are not always taken.

Placing Security Freezes on your credit reports is a much more effective way to prevent credit fraud.

Security freezes can be implemented on your own or with the assistance of TrustedID Identity Theft Prevention Services, a competitor of IdentityTruth that offers similar services.

Experian Credit Report Access

IdentityTruth gives you constant access to your Experian credit reports, not just once a year, which means you can review your most current Experian credit report whenever necessary.

You can always Order Your Free Credit Reports from Experian, Equifax, and TransUnion for free, as you are legally entitled to a free credit report from each credit bureau once every year.

Stop Pre-approved Credit Applications

IdentityTruth will remove your name from the certain email lists that credit bureaus sell to creditors, which will stop you from receiving pre-approved applications for credit in the mail.

Thieves can steal these applications from your mail to apply for credit in your name.

You can also Opt-Out of Pre-Approved Credit Offers Online for free.

Identity Theft Insurance

IdentityTruth provides a $2 million service guarantee if you become the victim of identity theft while you are their customer, including reimbursement for expenses related to identity recovery such as lost wages, with full insurance coverage through AIG Companies.

IdentityTruth Pricing and Free Trial

IdentityTruth costs $9.99 per month (3-month minimum), $99.99 for 1 year, or $229.99 for 3 years.

However, there is an absolutely free trial period for 90 days with no commitments, which will assess your current risk for identity theft and help you decide if you want to use the IdentityTruth services.

IdentityTruth is a great option to help secure your identity and prevent credit fraud for a small monthly fee, or you can consider these other methods to Block Identity Theft for Free on your own.

Thanks and enjoy maximizing money.

myFICO offers credit scores, credit reports, and credit monitoring services along with additional features and credit services that can help you monitor your credit reports and improve your credit scores.

myFICO.com is the consumer division of Fair Isaac Corporation, which is the company that created the FICO credit risk score that lenders use to determine your credit worthiness.

myFICO offers access to your credit reports and credit scores, and they also offer credit report monitoring and credit score monitoring services that can protect you against credit fraud and identity theft, or monitor your credit score to help you reach your target score.

It is important to understand that you can Order Your Credit Reports for Free in order to review your credit history and verify that your reports are accurate, so you do not need to pay to receive your credit reports, as you are entitled to one free credit report from each credit bureau every year.

However, if you want to receive your credit scores as well, you will have to pay for them, and myFICO offers several different combinations of credit reports and credit scores from the 3 major credit bureaus including Experian, Equifax, and TransUnion, as well as credit monitoring services if you want to help secure yourself against identity theft or monitor your credit score.

Credit Reports and Credit Scores

myFICO offers 3 products for consumers who want to receive their credit reports and credit scores, along with additional features and services, including FICO Standard, FICO Credit Complete, and Suze Orman’s FICO Kit Platinum.

FICO Standard

FICO® Standard

The FICO Standard option offers you your choice of 1 credit report and 1 credit score from Equifax, Experian, or TransUnion for $15.95.

You get instant online access to your credit report and score, and they will be viewable for 30 days thereafter.

FICO® Standard includes an explanation of your credit report and score including the positive and negative factors that are affecting your credit score, and it also offers access to the FICO Score Simulator, which shows you how certain actions like paying off your credit card debt or taking out a loan could affect your FICO scores.

It also includes suggestions for actions that you can take to increase your FICO score into the higher ranges.

FICO Standard is the basic option, and it’s perfect if you really are just looking to find out your credit score and review a copy of your credit report.

FICO Credit Complete

FICO® Credit Complete

The FICO Credit Complete option includes all 3 of your credit reports and credit scores from Experian, Equifax, and TransUnion for a one-time fee of $47.85 or $42.84 per year.

Just like the FICO Standard option, you get instant online access, credit report explanations and suggestions to help you understand and increase your FICO score, and access to the FICO Score Simulator to see how certain actions could affect your credit score.

The FICO® Credit Complete option is ideal if you want to review your credit history more carefully and compare your credit scores from the 3 credit bureaus, as there can be discrepancies between your credit scores and credit reports from Experian, Equifax, and TransUnion, which may require you to take the necessary actions to correct any problems.

FICO Credit Complete is ideal if you are looking to refinance your mortgage or apply for a loan, as it’s important to assure that your credit reports are accurate at all 3 credit bureaus and to identity any problems that are affecting your credit scores.

Suze Orman’s FICO Kit Platinum

Suze Orman’s FICO® Kit

The Suze Orman’s FICO Kit Platinum option offers all 3 credit reports and credit scores from Experian, Equifax, and TransUnion, plus a customized guide to help you get the lowest credit card rates, get out of debt quicker, and save on automobile loans and mortgages for a one-time fee of $49.95.

This includes credit explanations, suggestions to increase your FICO score, access to the FICO Score Stimulator, and a complete personalized guide to assist you with your credit needs.

You simply answer a few questions, and based on your financial goals, FICO scores and credit report information, the FICO Kit Action Planner will walk you the a step-by-step process to help you take control of your credit and increase your FICO score into the higher ranges.

Other personalized features of Suze Orman’s FICO® Kit include a credit card debt eliminator program, day-to-day bill reminders, online loan coaching, and more services to help you take control of your credit history.

Suze Orman’s Kit is the perfect option if you want to get a complete picture of your credit history and credit score, and you would like to receive step-by-step assistance in the appropriate actions that need to be taken to understand and improve your credit rating.

Credit Report Monitoring and Credit Score Monitoring

myFICO offers 2 products to help you monitor your credit reports and your credit scores, which also provide you with copies of your credit reports and scores, including the Score Watch plan and the FICO Quarterly Monitoring plan.

Score Watch

myFICO® Score Watch™

The Score Watch option monitors your credit reports and credit scores, and it notifies you of important changes like when you reach your target score or qualify for a better interest rate. Score Watch costs $8.95 per month (3 month minimum), or get a 30-day free trial and then an annual payment of $89.95.

Score Watch monitors your Equifax credit report on a daily basis and your FICO score on a weekly basis, and you’ll receive alerts via email or wireless text messages when an important change to your Equifax report or FICO score is detected, such as an unexpected change to your credit report that causes your FICO score to drop, or when your FICO score changes enough to impact the interest rates you are likely to receive.

myFICO® Score Watch™ allows you to set a target FICO score and receive a notification when you reach it.

You’ll also see your new FICO score every time you get an alert of a change to your credit report, and you’ll be provided with 2 free Score Power reports each year.

Score Power reports include your Equifax credit report, FICO score, and additional credit file information.

Score Watch is an ideal option if you are interested in monitoring your credit score and reaching a target score, and it also protects you against identity theft and credit fraud.

FICO Quarterly Monitoring

FICO® Quarterly Monitoring

The FICO Quarterly Monitoring option monitors your credit reports and credit scores as well as 400 other data sources for signs of identity theft, and it also tracks key elements of your credit over time. The FICO Quarterly Monitoring service costs $4.95 per month or $49.95 per year.

The FICO Quarterly Monitoring plan monitors your TransUnion credit report and FICO score 4 times a year for important changes that could affect your credit score or indicate that your credit has been compromised, and it provides email alerts when any changes are detected.

It also monitors 400 data sources for new information tied to your identity such as new addresses, new social security numbers, and other information that could mean your identity has been compromised.

The FICO® Quarterly Monitoring plan keeps track of your credit throughout the course of the year and shows you what types of rates you might qualify for as well as actions you can take to get your score into the higher ranges.

It also provides $25,000 in identity theft insurance to help you recover your losses if your identity is stolen while you are a member, as well as other debt resolution and credit dispute tools to help you take control of your credit history.

FICO Quarterly Monitoring is designed to protect you against identity theft and credit fraud, plus help you monitor your credit score.

However, since the Quarterly Monitoring service only monitors your credit reports and credit scores 4 times a year, it may be worth the additional money to sign up for Score Watch, which monitors your credit reports on a daily basis and may better provide you with ongoing protection.

Overall, myFICO provides several great options if you are looking to receive access to your credit reports and credit scores, as well as credit monitoring services if you would like to protect yourself against identity theft and monitor your credit score.

Even if you decide not to sign up for credit monitoring services, you should still understand how to Monitor Your Credit Reports for Free.

You may also be interested in more Credit Monitoring Services Tips and Information, or these other steps to Block Identity Theft for Free.

Thanks and enjoy maximizing money.