IdentityIQ, LifeLock & Experian are all big players in credit monitoring. How do they compare? They can all help you track your credit and identify problems. But who has the best service? Working with the right monitoring company and an experienced credit repair expert (like Credit Glory) helps you improve your credit (fast!).
Which is better LifeLock or Experian? (& how they stack up to IdentityIQ)
Who is IdentityIQ?
IdentityIQ provides comprehensive credit monitoring and ID protection. That way, you get the most accurate score (while keeping it safe). Some of their perks include:
- 3-bureau credit monitoring (in all 3 packages)
- ID theft insurance (up to $1 million)
- Personal expense compensation coverage
- US-based restoration service
With multiple packages available, you have plenty of options for getting the monitoring and protection you need.
Who is LifeLock?
Lifelock offers a range of options for comprehensive ID protection and credit monitoring. Features vary on the package and include:
- Secure VPNs
- Credit monitoring
- Personal device security
- ID/SSN alerts
They even provide customers with stolen funds reimbursement and personal expense compensation.
Who is Experian?
Experian offers two plans (basic & premium) for credit monitoring and ID protection. They offer a 30-day free trial and their services include:
- Dark web surveillance
- ID theft insurance
- Daily FICO scores
- 3 bureau credit reporting
You can even lock your credit file, protecting it against unauthorized activity.
IdentityIQ: the best company for you
While all three companies provide similar services, IdentityIQ gives you the most complete coverage. They provide the most options, the most accurate credit score, updated alerts, & more. You get everything you need to keep an eye on your credit and start boosting your score.
Why is credit monitoring important?
Monitoring your credit is an essential part of maintaining a healthy credit score. Staying up to date on any changes helps alert you to suspicious activity, like fraud and ID theft. But monitoring it yourself is time-consuming. That's where a reputable credit monitoring company can help. Companies like LifeLock & Experian let you know about:
- hard inquiries
- new accounts opened
- If your personal info is on the dark web
Each of these items — when left unaddressed — can cause your score to plummet. The issue? Credit monitoring is good at finding issues, but not so great at resolving them. That's where a reputable credit repair company, like Credit Glory, springs into action.
Top 5 credit monitoring questions
Before you start using a credit monitoring service, it's important to know what you're getting. Understanding the process helps you get the most for your money. Here's what you need to know about the basics of credit monitoring.
1. Do you really need credit monitoring?
Using a credit monitoring company is a great alternative to DIY. It's especially helpful if you have a busy schedule or have already dealt with identity theft. Experienced (& reputable) credit monitors help you keep an eye on your credit so you can protect it.
2. Does credit monitoring hurt your credit?
Credit monitoring doesn't hurt your credit. Accessing your credit report is considered a soft inquiry, so it won't affect your score.
3. Do credit monitors show my FICO score?
Credit monitoring companies work with one or more of the major credit bureaus (Equifax, Experian, & TransUnion). Accessing your FICO score depends on the bureau, as some use your VantageScore instead.
4. Is it worth paying for credit monitoring?
While free credit monitoring services are available, you get more perks with paid services. You often get access to credit reports from all three bureaus. It's also easier to use, and many companies offer identity theft insurance.
5. Will credit monitoring fix issues on my credit report?
That's something credit monitoring can't do. Luckily, experienced credit repair companies (like Credit Glory) help you dispute errors (& boost your score).
Take charge and improve your credit score w/ Credit Glory & IdentityIQ
Credit monitoring with IdentityIQ is only half the equation for healthy credit. The other half? Credit repair. Credit monitoring alerts you to errors — but doesn't fix them. Removing the errors (& boosting your score) is a job for credit repair.
You could take on a notoriously convoluted credit industry and repair on your own (good luck w/ that). The better way? Partner with a reputable credit repair company (like Credit Glory). Credit Glory has the experience to fix errors in all areas monitored by credit monitoring companies.
Credit Glory delivers the help you need for healthy credit
Disputing negative items on your credit report is hard work! It takes a lot of time, effort, organization, and follow up. The good news? Our team of credit repair professionals are here to simplify everything! Let your dedicated credit repair expert relieve you of the stress, hassle, and time needed to fight your inaccuracies and boost your credit score (FAST!)
Credit Glory is a credit repair company that empowers consumers with the opportunity and knowledge to reach their financial dreams in 2020 and beyond.