08-28-2012 07:35 PM
Just found this site while searching for credit monotoring services, please let me know.
AllClearID FREE does not monitor credit reports (it provides no indication of fraudulent activity on any of the 3 bureaus, it never checks them at all).
The FREE service provides "internet identity" checking- which looks to me like an alert if your name, SSN, or credit cards are seen in any of the monitored forums, websites, etc. I am not saying that is not a good idea... but it is not the same as "credit monitoring".
The PLUS service does provide credit monitoring, but it is too expensive. I am not going to pay $10-12 a month.
myFICO is the consumer division of FICO. Since its introduction 20 years ago, the FICO® Score has become a global standard for measuring credit risk in the banking, mortgage, credit card, auto and retail industries. 90 of the top 100 largest U.S. financial institutions use the FICO Score to make consumer credit decisions.>> About myFICO