Reader Request: Credit Score Monitoring Service Recommendations

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Reader Request: Credit Score Monitoring Service Recommendations

Million Mile SecretsReader Request: Credit Score Monitoring Service RecommendationsMillion Mile Secrets Team

Signing-up for credit cards through partner links earns us a commission. Here’s our full Advertising Policy.


The best part about writing the blog is reading the comments and email from readers!  Aaron writes in about how he is getting to live his dream by covering the English Premier League soccer (football) games.  Congrats, Aaron, for having Big Travel with Small Money!

Aaron wants to know: which credit score monitoring service to sign-up for?

Hi Daraius,

 First, I wanted to share a bit of a success story with you, since I know you put a lot of work into making travel possible for your readers. 

 As a hobby, I do some sports writing in addition to my regular job.  The sports journalism world is not lucrative in any sense, but getting published is such a thrill to me (not unlike collecting miles!) that I find the time to do it regardless.  My ambition has been to cover English Premier League soccer games.  But, living in DC, this is obviously cost-prohibitive.  But, after doing the US Mint coin redemption system for about two years, some credit card sign up bonuses, and other programs, I’m going to England in April to four soccer games, and a popular sports website has agreed to provide press passes for me and publish my work. I’m confident the only reason I have this opportunity is because I was able to say “I can pay for all my travel and accommodations.” (Of course, the word “pay” isn’t accurate!) 

Thank you for all your hard work with the blog and making an experience like this possible for me.  I’ll be among the luckiest of people who get to live their dream for a few short days. 

 With that, I have just one short question for you: now that I’m doing more credit card applications, I need to keep a closer eye on my credit score.  What do you use to monitor your credit score?  I’m more than willing to pay for a service, given the benefit I extract from the credit cards, it seems like a worthy investment.  Any recommendations you can provide would be greatly appreciated.

I’ve always used Credit Karma or Credit Sesame, which provide proxies or substitutes of my TransUnion and Experion credit score because they are free. But I’ve been thinking of signing up for a credit score monitoring service too.  That’s because I get thousands of dollars worth of miles and points from credit card sign-up bonuses and want a more accurate credit score than what Credit Karma and Credit Sesame provide.

I used to use Citi Identity Monitor for $1 a month for the 1st 30 days and then cancel the service, but I haven’t researched any other credit monitoring services.

Which credit monitoring services do you use and which ones should Aaron and I use? Please let us know in the comments!

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Editorial Note: We're the Million Mile Secrets team. And we're proud of our content, opinions and analysis, and of our reader's comments. These haven’t been reviewed, approved or endorsed by any of the airlines, hotels, or credit card issuers which we often write about. And that’s just how we like it! :)

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I have seen a lot of positive reviews about USAA’s Credit Monitoring; but none of them tell you that you have to be a veteran, be married to a veteran, or have parents or in-laws who are USAA members to be a USAA member. Seems that they could have mentioned that on their web site too.

@Rick S, I’ve noticed that Lifelock is now including a statement at the end of their ads, something to the effect “No one can prevent all identity theft.” And Dave Ramsey, when he’s advertising Zander, includes a similar idea in his script.

Given that, I’m not sure how much protection either company can provide.

My theory, with no facts to back it up, is that some government agency is now requiring the new disclaimers.

I am interested in upgrading my identity theft insurance and would like to know which is the best coverage available. I am currently enrolled in American Express’ Credit Secure program at a cost of $16.32 per month for just myself. I have been looking at LifeLock and Zander as well. I’m not sure of the Zander cost but LifeLock is $25 per month for a premier subscription which covers my entire family.

Can anyone tell me if LifeLock is as good as advertized, or if Zander is any good. I realize that most people pooh pooh this type of insurance coverage and deem it as unnecessary but I’d rather pay for it and have peace of mind, so I’m just looking for the best available ID theft coverage. Thank you!

@Million Mile Secrets – I already check each one every 4 months. So there is 1 year between checks. That’s great for normal maintenance, but way too slow if you are doing corrections to you report. If you send a dispute letter to them, they have 30 days to fix it or refute it. I’m not going to wait a year before I know if they fixed it! What if they didn’t? Now I have to start all over again. lol.

I just registered with credit karma today, and they we doing find until they dinged me for a <2yrs credit history. I have 20+ years, thank you very much! I think I'll go with USAA or myfico for my 1-year credit repair mission.

Million Mile Secrets

@TheGooch – I’d check your free credit report from each credit bureau to see if the information is accurate before spending money to fix it!

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