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LifeLock vs Experian

Best Credit Monitoring

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

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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2 stars
Experian

EXPERIAN

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Cost:

From $9.99 to $29.95/month

Experian offers a professional user experience with an easy-to-navigate website. Their services are free for 30 days and then the premium membership kicks in at $19.99/month. It is advertised that you can cancel at any time. However, many customers report that it is very difficult to cancel both the free trial and membership.

If you choose to use Experian's services, the premium product features include:

  • 3-bureau credit monitoring
  • Monthly 3-bureau updates
  • New Experian credit report (updated every 30 days) and FICO score every day
  • Experian CreditLock
  • $1 million identity theft insurance
  • Personalized support from credit and fraud resolution agents
  • Dark web internet surveillance alerts
  • Lost wallet assistance

Experian has a comprehensive mobile app that gives on-the-go access to all of their features. Other helpful resources offered by Experian are their score simulator, wallet protection, and a frequently updated blog. The score simulator that lets you see how taking out a loan, paying off a loan, or getting a new credit card might affect your Experian credit score. If your wallet is stolen, Experian will assist you in cancelling and replacing any cards. If you fall victim to identity theft, fraud resolution specialists will help file police reports and other necessary work.

One resource that sets Experian apart from other credit monitoring companies is their free "boost" feature. Experian Boost is designed to help people who are either recovering from financial setbacks or building their credit score for the first time. Users must agree to let Boost connect with their bank accounts and scan their transactions for payment information on phone and utility bills. You choose and verify positive payment history you want added to your credit file. Overtime, these payments made on time will contribute to your credit score and slowly "boost" it up.

Unfortunately, Experian has overall bad ratings from customers. The main concerns people have with Experian are their poor customer service as well as their frequent mistake of double charging people's cards each month. There are also hundreds of reports of glitches on the website when entering private information and viewing credit scores. Based on the heavily negative feedback from users, despite the professional website and seemingly impressive services, we would suggest staying away from Experian and using one of our higher-rated suggestions for credit monitoring instead.

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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!

The CEO of Intuit explains how buying Credit Karma for $7 billion will help it put 'a financial assistant in the pockets of consumers'

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Inuit has agreed to acquire Credit Karma for approximately $7.1 billion in cash and stocks, the companies announced Monday.

Published:  Mon, 24 Feb 2020 15:25:00 GMT



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Intuit Eyes Consumer Finance With $7B Credit Karma Deal

The deal will help Intuit acquire quality financial data that could help it make deeper inroads into the consumer finance business.

Published:  Mon, 24 Feb 2020 05:32:00 GMT



Intuit eyes Credit Karma in what would be its biggest-ever acquisition

Intuit Inc. is nearing a deal to buy personal-finance portal Credit Karma Inc. for about $7 billion in cash and stock, in a move that would push the bookkeeping-software giant further into consumer ...

Published:  Sun, 23 Feb 2020 13:04:00 GMT



Intuit Reportedly Ready to Buy Credit Karma for $7 Billion

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Report says Intuit nearing $7 billion deal for Credit Karma

The Journal said privately held Credit Karma was valued at about $4 billion in a private share sale two years ago. Credit Karma provides consumers with credit monitoring, free access to credit scores, ...

Published:  Sun, 23 Feb 2020 13:15:00 GMT



Monzo Set to Offer Credit Score Monitoring for Customers

UK challenger bank Monzo announced on Monday that its users will soon have the option of credit monitoring through its mobile banking app. Monzo revealed that users will be able to see their scores in ...

Published:  Mon, 24 Feb 2020 08:21:00 GMT



NCH Healthcare System to offer credit monitoring to more than 63,500 people after email phishing attack

The offer is being made to individuals who had email communication with 73 NCH employees who were victims of the email phishing attack last year.

Published:  Tue, 18 Feb 2020 07:49:00 GMT



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