That said, we liked how the company has an interesting credit score simulator which can help you understand how different balances, payments and balance transfers might have an impact on your credit score.
While the monthly reports represent only one of the three credit bureaus, reports from all three bureaus can be purchased. The service provides a copy of your Equifax credit report, a lock on your Equifax data by third parties (with some exceptions), credit monitoring from all three credit bureaus, monitoring of your SSN on what Equifax calls "suspicious" websites, and a very limited $1 million identity theft insurance policy.
Like all the other commercial identity monitoring services we've profiled in this directory, ID Watchdog offers a $1 million identity theft insurance policy. Most services provide credit reports only once a year. Its most comprehensive plan is the Identity Guard Premier plan, which costs $200.04 a year and includes annual credit reports.


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