{"id":232820,"date":"2025-07-26T15:00:55","date_gmt":"2025-07-26T15:00:55","guid":{"rendered":"https:\/\/evertise.net\/?p=123134"},"modified":"2025-07-26T15:00:55","modified_gmt":"2025-07-26T15:00:55","slug":"are-credit-monitoring-services-worth-it","status":"publish","type":"post","link":"https:\/\/ipsnews.net\/business\/2025\/07\/26\/are-credit-monitoring-services-worth-it\/","title":{"rendered":"Are Credit Monitoring Services Worth It?"},"content":{"rendered":"<p><span id = wx_e_123134><\/span><\/p>\n<p><span data-contrast=\"none\">According to the Federal Trade Commission, American consumers reported <\/span><span data-contrast=\"auto\">losing more than $12.5 billion to fraud<\/span><span data-contrast=\"none\"> in 2024, a 25% increase from 2023. One way to help prevent these scams is through <\/span><a href=\"https:\/\/www.myfico.com\/credit-education\/blog\/the-importance-of-credit-monitoring\"  rel=\"noopener\"><span data-contrast=\"none\">credit monitoring<\/span><\/a><span data-contrast=\"none\">. However, credit monitoring services are typically not free, and can present a financial burden. Here, we explore how credit monitoring works and when it might be worth it for you.<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;201341983&quot;:0,&quot;335559739&quot;:0,&quot;335559740&quot;:240}\">\u00a0<\/span><\/p>\n<h2 aria-level=\"2\"><span data-contrast=\"none\">What is credit monitoring?<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:0,&quot;335559739&quot;:120}\">\u00a0<\/span><\/h2>\n<p><span data-contrast=\"none\">Credit monitoring is when you hire a service to monitor your credit report to check the information in your name and alert you of changes. Some of the items credit monitoring services check include:<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true}\">\u00a0<\/span><\/p>\n<ul>\n<li><span data-contrast=\"none\">Credit accounts<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true}\">\u00a0<\/span><\/li>\n<li><span data-contrast=\"none\">Credit inquiries<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true}\">\u00a0<\/span><\/li>\n<li><span data-contrast=\"none\">Debts in collection<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true}\">\u00a0<\/span><\/li>\n<li><span data-contrast=\"none\">Public records, like bankruptcies<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true}\">\u00a0<\/span><\/li>\n<\/ul>\n<p><span data-contrast=\"none\">Your credit report plays a central role in determining your <\/span><a href=\"https:\/\/www.myfico.com\/credit-education\/credit-scores\"  rel=\"noopener\"><span data-contrast=\"none\">credit score<\/span><\/a><span data-contrast=\"none\">, which may impact your eligibility for loans, financing or even housing. As such, it&#8217;s extremely important that your credit report is accurate and up to date. A credit monitoring service can alert you of new accounts opened in your name, information changes, large transactions, credit limit increases, and more important data that you want to know about.<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true}\">\u00a0<\/span><\/p>\n<h2 aria-level=\"2\"><span data-contrast=\"none\">Types of credit monitoring services<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:0,&quot;335559739&quot;:120}\">\u00a0<\/span><\/h2>\n<p><span data-contrast=\"none\">There are both free and paid credit monitoring services available. You can also check your credit yourself using tools like <\/span><span data-contrast=\"auto\">AnnualCreditReport.com<\/span><span data-contrast=\"none\">. According to the <\/span><span data-contrast=\"auto\">Consumer Financial Protection Bureau<\/span><span data-contrast=\"none\">, checking your own credit report does not have a negative impact on your credit score.<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Free credit monitoring services may be offered as a perk of using a bank, credit card or other financial product. They may offer optional paid services to support boosting your credit or help protect your identity through dark web monitoring, hard inquiry monitoring, and other security features. Paid credit monitoring services typically include these additional services, as well as premium features like assistance in protecting and repairing your credit, or access to all three credit bureaus: Experian, Equifax, and TransUnion.<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true}\">\u00a0<\/span><\/p>\n<h2 aria-level=\"2\"><span data-contrast=\"none\">Benefits of a credit monitoring service<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:160,&quot;335559739&quot;:80}\">\u00a0<\/span><\/h2>\n<p><span data-contrast=\"none\">Whether you use a free or paid service, both typically provide the following benefits:<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true}\">\u00a0<\/span><\/p>\n<ul>\n<li><span data-contrast=\"none\">Access to credit reports and scores<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true}\">\u00a0<\/span><\/li>\n<li><span data-contrast=\"none\">Automated credit score changes tracking<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true}\">\u00a0<\/span><\/li>\n<li><span data-contrast=\"none\">Address change discovery<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true}\">\u00a0<\/span><\/li>\n<li><span data-contrast=\"none\">Potential fraud alerts<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true}\">\u00a0<\/span><\/li>\n<li><span data-contrast=\"none\">New account detection<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true}\">\u00a0<\/span><\/li>\n<li><span data-contrast=\"none\">Public records watch<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true}\">\u00a0<\/span><\/li>\n<\/ul>\n<p><span data-contrast=\"none\">In either case, the core benefit of any credit monitoring service is that it monitors your credit report for you proactively, so you don\u2019t have to regularly check to see if anything has changed. It\u2019s a more automated way to ensure your <\/span><a href=\"https:\/\/www.myfico.com\/credit-education\/faq\/improving-a-score\/building-credit-history\"  rel=\"noopener\"><span data-contrast=\"none\">credit history<\/span><\/a><span data-contrast=\"none\"> is accurate and new information is correct.<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true}\">\u00a0<\/span><\/p>\n<h2 aria-level=\"2\"><span data-contrast=\"none\">How much does credit monitoring cost?<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:0,&quot;335559739&quot;:120}\">\u00a0<\/span><\/h2>\n<p><span data-contrast=\"none\">Free plans, of course, are free, although they may be included in the cost of paying for a financial product. Paid credit monitoring <\/span><span data-contrast=\"auto\">services can cost<\/span><span data-contrast=\"none\"> up to $360 per year for individual plans, or up to $500 for family plans. You can also opt to monitor your credit on your own by checking your report from time to time.<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true}\">\u00a0<\/span><\/p>\n<h3 aria-level=\"3\"><span data-contrast=\"none\">Is a credit monitoring service worth it?<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true,&quot;335559738&quot;:160,&quot;335559739&quot;:80}\">\u00a0<\/span><\/h3>\n<p><span data-contrast=\"none\">So, how do you know if a credit monitoring service is worth it? Well, it really depends on your situation, but it may be worth it to you if:<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true}\">\u00a0<\/span><\/p>\n<ul>\n<li><span data-contrast=\"none\">You\u2019ve already been victimized by identity theft or are at high risk because you\u2019ve lost your Social Security card or your Social Security number was exposed in a data breach.<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true}\">\u00a0<\/span><\/li>\n<li><span data-contrast=\"none\">You don\u2019t expect to have the time or desire to monitor credit yourself.<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true}\">\u00a0<\/span><\/li>\n<li><span data-contrast=\"none\">Credit monitoring is included in a financial product you already have.<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true}\">\u00a0<\/span><\/li>\n<\/ul>\n<p><span data-contrast=\"none\">If you\u2019re considering a credit monitoring service, always consider your budget and make sure you use one that specifically promises three-bureau credit monitoring to ensure complete coverage.<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true}\">\u00a0<\/span><\/p>\n<p><span data-contrast=\"none\">Active credit monitoring, whether through a service or on your own, can help you protect your credit score and ensure you\u2019re in a good position to apply for financing and meet your financial goals.<\/span><span data-ccp-props=\"{&quot;134245418&quot;:true,&quot;134245529&quot;:true}\">\u00a0<\/span><\/p>\n<p><span data-teams=\"true\"><strong>Contact Information:<\/strong><br \/>\nName: Sonakshi Murze<br \/>\nEmail: <a id=\"menur2rjk\" class=\"fui-Link ___1q1shib f2hkw1w f3rmtva f1ewtqcl fyind8e f1k6fduh f1w7gpdv fk6fouc fjoy568 figsok6 f1s184ao f1mk8lai fnbmjn9 f1o700av f13mvf36 f1cmlufx f9n3di6 f1ids18y f1tx3yz7 f1deo86v f1eh06m1 f1iescvh fhgqx19 f1olyrje f1p93eir f1nev41a f1h8hb77 f1lqvz6u f10aw75t fsle3fq f17ae5zn\" title=\"mailto:sonakshi.murze@iquanti.com\" href=\"mailto:Sonakshi.murze@iquanti.com\"  rel=\"noreferrer noopener\" aria-label=\"Link Sonakshi.murze@iquanti.com\">Sonakshi.murze@iquanti.com<\/a><br \/>\nJob Title: Manager\u00a0<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p><span><\/span>According to the Federal Trade Commission, American consumers reported losing more than $12.5 billion to fraud in 2024, a 25% increase from 2023. One way <a href=\"https:\/\/ipsnews.net\/business\/2025\/07\/26\/are-credit-monitoring-services-worth-it\/\" class=\"more-link\">Continue Reading <span class=\"meta-nav\">&rarr;<\/span><\/a><\/p>\n","protected":false},"author":271,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[390,385,391,57,717,20,727,387,388],"tags":[],"class_list":["post-232820","post","type-post","status-publish","format-standard","hentry","category-dj","category-gomedia","category-internal","category-ips","category-maple-media","category-press-release","category-preview","category-si","category-vm"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.9 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Are Credit Monitoring Services Worth It? - Business<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/ipsnews.net\/business\/2025\/07\/26\/are-credit-monitoring-services-worth-it\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Are Credit Monitoring Services Worth It? - Business\" \/>\n<meta property=\"og:description\" content=\"According to the Federal Trade Commission, American consumers reported losing more than $12.5 billion to fraud in 2024, a 25% increase from 2023. 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