![]() ![]() You still have to be proactive in taking steps to prevent identity theft. While these services can alert you of changes to your credit file and help you fix any errors, it's important to understand what credit monitoring can and can't do. ![]() To determine which credit monitoring services are the best, CNBC Select analyzed and compared 12 services that offer a variety of free and premium plans that provide different levels of credit protection based on the features mentioned above. If you were affected by a data breach, you can submit a claim for free credit monitoring through the company's settlement website. ![]() As the result of a number of settlements from high-profile data breaches, including Equifax in 2017 and Capital One in 2019, millions of Americans have access to free credit monitoring services. When deciding between free and paid credit monitoring services, it's a trade-off between opting for a free service with limited coverage or a premium service with extensive protection.īefore you pay for a service, consider if you qualify for a free credit monitoring program. Basic services are free to use and don't require you to enter a credit card at sign up, whereas premium services cost anywhere from $8.99 to $39.95 per month. There are two types of credit monitoring services: basic and premium. Many services scan the dark web for your information and keep track of your public records, which isn't easy for individuals to do on their own.
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