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      July 12, 2020

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LifeLock vs Credit Reporting

Best Credit Monitoring

To help you find the Best Credit Monitoring Companies, TopConsumerReviews.com provides you with an in-depth comparison of LifeLock and Credit Reporting.

To see ALL of our reviews for the Best Credit Monitoring Companies, please Click Here

Where is the best place to monitor your credit? In order to purchase a home, buy a car, or obtain almost any kind of loan, you need good credit and history. Falling behind on credit card payments, making too many expensive purchases, opening multiple credit card accounts, filing for bankruptcy, not paying monthly bills, and other factors may cause your credit score to drop significantly. On the flip side, staying on top of credit card payments, paying bills right away, and paying off loans are a few of the ways you can build a fantastic credit score.

Staying aware of your current credit score and proactively working to keep it up will help you, in almost all, financial aspects of your life. During the interview process, companies looking to hire may even request access to a modified credit report to check for signs of financial distress. This helps companies know if candidates may be at risk for committing theft or fraud. With new online services, you can easily access your credit score and stay on the road to financial success.

Continue reading below reviews

Best Reviews

2020

Credit Monitoring Reviews

3 stars
LifeLock

LIFELOCK

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Cost:

From $9.99 to $34.99/month

In addition to credit monitoring, LifeLock offers other services in the realm of cyber security to protect household devices and give parental controls to families. Four package options are available for customers looking for identity protection services. The package costs range from $9.99 to $34.99 and all pricing goes up after the first year. The price range depends on the extent of services needed by the customer.

The most thorough and expensive package is the Norton 360 with LifeLock Ultimate Plus. This package includes includes:

  • Identity and Social Security alerts
  • Credit Monitoring: Three Bureaus
  • Security for Unlimited Devices
  • VPN for Unlimited Personal Devices
  • Bank Account & Credit Card Activity Alerts
  • Alerts on Crimes Committed in Your Name
  • Annual Three Bureau Credit Reports and Credit Scores
  • 401(k) and Investment Activity Alerts

LifeLock's pricing is on the higher end of the spectrum when compared to competing companies that offer similar services. Their package options do not include features that are vastly different from other companies offering similar services. Something LifeLock lacks is a good family plan. Children can be added to receive coverage for an extra $5.99 a month, but spouses must purchase a separate plan for themselves.

The Better Business Bureau give LifeLock an A- rating. Other customers give average feedback about the services received by LifeLock. Many people are frustrated with overly heavy marketing efforts. Some report being bombarded with emails and physical mail. In 2015, the Federal Trade Commission brought allegations against LifeLock after people complained that they did not provide the services they advertised.

LifeLock's actual services seem to be satisfactory to customers who use them. Despite their customer complaints, luckily they have never experienced a security breach that would put their customers at risk. We feel their pricing is quite a bit higher than other companies who provide similar services. Rather than just focusing on credit monitoring and helping individuals improve their credit scores, LifeLock puts efforts into cyber security. For credit monitoring specifically, we suggest using a higher-rated site.

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1.5 stars
Credit Reporting

CREDIT REPORTING

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Cost:

Not provided

At first glance, we would be hesitant to trust this company with our personal information. Credit Reporting is a vault of text-heavy, outdated information. They also operate an unsecure website, meaning your information is not private. Their services are confusing and minimal, leaving them at the bottom of our list for credit monitoring services.

The graphics and design of the Credit Reporting website are as outdated as their most recent blog posts from 2013. Credit Reporting does not seem to be actively providing credit score information to consumers, but rather directing them to Experian's website. Here a 7-day trial is advertised for $1. After the trial period, Experian's services can cost between $19.95 and $29.95 for each additional month you continue to use them.

Credit Reporting contains a lot of "about" categories full of information presented in a way that might put you to sleep. Categories include "About Credit Reports", "About Credit Scores", "About Credit Bureaus", "About Business Credit", "About Identity Theft", and "About Credit Reporting Laws". Bless the poor soul who did all the research, writing, and backlinking for these topics, but they are hard to digest.

Unless you are willing to read through the pages of information about credit reporting, laws, and bureaus, Credit Reporting is essentially useless to consumers. It makes more sense to skip over them as a middleman and go straight to Experian's website to use their services. Due to their lack of relevant resources and direct services, Credit Reporting has earned a ranking on the lower end for credit monitoring services.

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Continued from above

Aside from working to qualify for a loan or your next big career move, a big issue in the world today is identity theft. It is estimated that nine million Americans are victims of identity theft each year. Sometimes this can be caught by watching to see if your credit score takes a major hit. If this is the case, you can dispute the credit report and work to fix the problem. Working with a credit monitoring company that has good customer service to help you through potential issues is important.

Before choosing a credit monitoring service, we suggest you keep the following criteria in mind:

  • Cost. Will you be charged a monthly fee? How do rates compare to their competitors? Find a company that works to keep things budget-friendly.
  • Customer Service. It is important to have easy access to a knowledgeable customer service team that can clearly answer your questions. It can be frustrating to be left confused or jump through hoops to speak to an agent.
  • Resources. Is the website easy to navigate with plenty of straightforward options to manage your credit report? The company should be your advocate for helping you improve your credit score and find the lowest rates on purchases.

To help you identify the best credit monitoring service, TopConsumerReviews.com has reviewed and ranked a variety of options. We hope this information helps you find a credit monitoring company that will provide a good experience for you!

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