Forum Thread

Free credit monitoring services for three major agencies at Experian and CreditKarma

-16 Deal Score
5,434 Views
Some advice about credit freezes at the four largest agencies in this article:
https://www.usatoday.com/story/mo...657304001/

Signing up for one monitoring service isn't enough. You need to monitor at least the three largest credit agencies (Equifax, Experian, TransUnion), because many companies will issue credit based on checking just one agency. And you need to check them not just once a year or when you're thinking about applying for credit, but as close to real-time as you can.

So it's best to set up alerts so they come directly to you, rather than you having to remember to sign in. You'll get a lot of annoying alerts, but it's probably worth it since the Equifax hack. Pay attention to those alerts that are specific to credit inquiries or new accounts. (You don't need to check every time you get a notice your credit score has gone up or down. But it is worth logging in regularly to have a look.)

Experian has a free service: https://www.freecreditscore.com/
Quote :
Experian Credit Monitoring Alerts: Includes new inquiries, new accounts, public records, fraud alerts, and personal information updates when added to your Experian credit report.
CreditKarma will let you check TransUnion and Equifax: https://www.creditkarma.com
You can adjust the alert settings in My Profile, Communication and Monitoring.

Other Services:

CapitalOne also has a CreditWise service that uses TransUnion data, available whether you are a cardholder or not:
https://creditwise.capitalone.com/

Credit Card Company Services:

These may also be worth signing up for, if you qualify, as they may do more than just monitor the credit agencies:

MasterCard holders can use the Identify Theft Alert service discussed in this thread:
https://slickdeals.net/f/10545448-free-credit-monitoring-for-mastercard-holders
Quote :
ID Theft Alerts reduces your risk of identity theft by constantly monitoring websites and chat rooms where criminals buy, sell and trade stolen identities.

- You'll receive a one-time report from us soon which highlights any detection of your information on the dark web in the past 7 years.
- We'll send immediate alerts on any new activity we detect for your information on the dark web while monitoring your personal information.
- Each month, you'll receive an email that summarizes your ID Theft Alerts™ activity.
Discover card holders can also use their service to monitor Experian. See https://slickdeals.net/f/10558388-free-credit-monitoring-and-text-alert-for-discover-card-holders
Quote :
Social Security Number Alerts: We will alert you if we find your Social Security number on any of thousands of risky websites.

New Account Alerts: We will notify you if any new credit cards, mortgages, car loans or other accounts are opened on your Experian ® credit report.
Credit Scores:

Credit scores aren't really the point of this. All of the credit scores shown by Experian and CreditKarma at these sites are not the FICO a lender is likely to use, but the trends are still useful to watch and they will help you understand how credit scores work.
Share
Good deal?
You gave rep to buzzy for this post.
Thank you!
buzzy posted this deal. Say thanks!
Give Rep Points
Add Comment
Created 09-13-2017 at 11:03 AM by buzzy
Deal
Score
-16
5,434 Views

35 Comments

1 2 3

Sign up for a Slickdeals account to remove this ad.

This comment has been rated as unhelpful by Slickdeals users
Joined Dec 2011
L6: Expert
1,930 Posts
718 Reputation
#2
heads up - equifax just got breached
Reply Helpful Comment? 0 1
This comment has been rated as unhelpful by Slickdeals users
Joined Oct 2009
Deals McGillicuddy
4,881 Posts
1,474 Reputation
#3
Credit freeze or bust
Reply Helpful Comment? 0 0
This comment has been rated as unhelpful by Slickdeals users
Joined Sep 2006
L11: Skeptic
2,479 Posts
697 Reputation
Original Poster
#4
Quote from wezlypipz
:
Credit freeze or bust
If only it were that simple.
  • What if you're planning to apply for credit soon?
  • If you do want to apply for credit, you need to know which service(s) they will use, so you know which to unfreeze. That can be a challenge, though maybe the hack will lead companies to make that easier.
  • Applying for credit includes signing up for postpaid cell service. So if you see a deal, you need to unfreeze to apply.
Reply Helpful Comment? 0 0
This comment has been rated as unhelpful by Slickdeals users
Joined Dec 2007
L7: Teacher
2,044 Posts
662 Reputation
#5
Quote from buzzy
:
....
Wow, seems like you put in a whole lot of effort in writing this post but really it didn't tell most of us anything we didn't know already.

In short you said sign up at freecreditscore.com and creditkarma.com
Reply Helpful Comment? 1 2
This comment has been rated as unhelpful by Slickdeals users
Joined Sep 2006
L11: Skeptic
2,479 Posts
697 Reputation
Original Poster
#6
Quote from SlickTex
:
Wow, seems like you put in a whole lot of effort in writing this post but really it didn't tell most of us anything we didn't know already.

In short you said sign up at freecreditscore.com and creditkarma.com
It's clear from the comments in the other threads that many or most people don't know. They think signing up for one service will cover them. They don't understand that there are three major agencies, and you need to track all three. And not just once a year, but on as close to real-time as you can.

More than enough people also don't know how to use the services, or which ones to sign up for. And why.

"Credit freeze" or "free annual credit report" isn't the answer. But people are led to think so from this forum and a lot of the news coverage.
Reply Helpful Comment? 2 0
Last edited by buzzy September 13, 2017 at 11:22 AM.
This comment has been rated as unhelpful by Slickdeals users
Joined Nov 2006
L10: Grand Master
11,493 Posts
2,412 Reputation
Our community has rated this post as helpful. If you agree, why not rep psyctto?
#7
Quote from buzzy
:
It's clear from the comments in the other threads that many or most people don't know. They think signing up for one service will cover them. They don't understand that there are three major agencies, and you need to track all three. And not just once a year.

More than enough people also don't know how to use the services, or which ones to sign up for. And why.

"Credit freeze" or "free annual credit report" isn't the answer. But people are led to think so from this forum and a lot of the news coverage.
at any rate...
this ain't an SD, it doesn't belong here...
Reply Helpful Comment? 4 0
This comment has been rated as unhelpful by Slickdeals users
Joined Dec 2007
L7: Teacher
2,044 Posts
662 Reputation
#8
Quote from buzzy
:
It's clear from the comments in the other threads that many or most people don't know. They think signing up for one service will cover them. They don't understand that there are three major agencies, and you need to track all thread.

More than enough people also don't know how to use the services, or which ones to sign up for.

"Credit freeze" isn't the answer. But people would think so from this forum.
BTW I quote you: "Free credit monitoring services for all three major agencies at CreditKarma", actually that is wrong going by your own post

I wish you well Smilie
Reply Helpful Comment? 1 0

Sign up for a Slickdeals account to remove this ad.

This comment has been rated as unhelpful by Slickdeals users
Joined Sep 2006
L11: Skeptic
2,479 Posts
697 Reputation
Original Poster
#9
Quote from psyctto
:
at any rate...
this ain't an SD, it doesn't belong here...
From the level of interest in threads on this topic, it seems like preserving your credit rating is an SD to a lot of people. There are several similar threads, with a lot of incomplete or inaccurate info.
Reply Helpful Comment? 1 0
This comment has been rated as unhelpful by Slickdeals users
Joined Sep 2006
L11: Skeptic
2,479 Posts
697 Reputation
Original Poster
#10
Quote from SlickTex
:
BTW I quote you: "Free credit monitoring services for all three major agencies at CreditKarma", actually that is wrong going by your own post

I wish you well https://static.slickdealscdn.com/ima...lies/smile.gif
That's added by the SD bot, maybe only on the mobile site? The post is pretty clear. But thanks for the heads up, I changed the title.
Reply Helpful Comment? 1 0
Last edited by buzzy September 13, 2017 at 11:28 AM.
This comment has been rated as unhelpful by Slickdeals users
Joined Jan 2006
L5: Journeyman
630 Posts
250 Reputation
#11
I have equifax free credit service, funny they didn't alert me to a problem there. I also have credit karma and I received nothing from them either. It was noted on their web page after logging in but no alerts to the fact.

Both had alerts turned on.
Reply Helpful Comment? 1 0
Last edited by mike1650 September 13, 2017 at 11:44 AM.
This comment has been rated as unhelpful by Slickdeals users
Joined Sep 2006
L11: Skeptic
2,479 Posts
697 Reputation
Original Poster
#12
Quote from mike1650
:
I have equifax free credit service, funny they didn't alert me to a problem there. I also have credit karma and I received nothing from them either. It was noted on their web page after logging in but no alerts to the fact.
Do you have alerts turned on? You'd think the default would be to have them on, but maybe they are not.

I've had the alerts turned off at CreditKarma and just switched them back on.
Reply Helpful Comment? 0 0
This comment has been rated as unhelpful by Slickdeals users
Joined Nov 2004
My banana bread is better
46,710 Posts
3,180 Reputation
Global Mod
#13
Quote from buzzy
:
That's added by the SD bot, maybe only on the mobile site? The post is pretty clear. But thanks for the heads up, I changed the title.

I see what happened.


The thread automatically got tagged with "CreditKarma" which will add "At (whatever store is tagged)" into the title. I'll delete the tag, that should take care of the problem.
Reply Helpful Comment? 1 0
This comment has been rated as unhelpful by Slickdeals users
Joined Jan 2009
L10: Grand Master
13,141 Posts
4,006 Reputation
#14
Quote from buzzy
:
From the level of interest in threads on this topic, it seems like preserving your credit rating is an SD to a lot of people. There are several similar threads, with a lot of incomplete or inaccurate info.

no this is not a HOT DEAL- which word did you not understand


Try posting in the right forum


TD
Reply Helpful Comment? 0 2
This comment has been rated as unhelpful by Slickdeals users
Joined Sep 2006
L11: Skeptic
2,479 Posts
697 Reputation
Original Poster
#15
Quote from 1fortheteam
:
no this is not a HOT DEAL- which word did you not understand

Try posting in the right forum

TD
I'm thinking the mod who posted right before you has already decided that question.

It's pretty clear that lots of people need this info at this time.
Reply Helpful Comment? 0 0
Last edited by buzzy September 13, 2017 at 11:57 AM.
Page 1 of 3
1 2 3
Join the Conversation
Add a Comment
 
Copyright 1999 - 2018. Slickdeals, LLC. All Rights Reserved. Copyright / Infringement Policy  •  Privacy Policy  •  Terms of Service  •  Acceptable Use Policy (Rules)  •  Interest-Based Ads
Link Copied to Clipboard