Score Guardians is built to do one thing exceptionally well: keep a constant watch on all three of your credit bureaus and tell you the moment anything changes.
Create your account and choose the Guardian plan. You'll see exactly what you're agreeing to before anything is charged — $19.99/month, cancel anytime.
You'll answer a few secure identity-verification questions. This protects you: it's how we confirm it's you before anyone can access your credit files. It's standard for any legitimate credit service.
Your dashboard opens with all three scores and reports. From there, monitoring runs continuously and alerts you whenever something on any of your three files changes.
Credit activity doesn't keep business hours. Here's the sort of thing that triggers an alert.
When a lender or service checks your credit, you'll know — a useful early signal of activity in your name.
A new tradeline appearing on any of your three reports shows up in your alerts right away.
Meaningful changes to balances or account status across your files are surfaced as they happen.
Because your reports rarely match, we watch Equifax, Experian, and TransUnion together — not just one.
Your full profile refreshes monthly so your scores and reports always reflect where you stand.
Every alert links to clear explanations so you can tell routine activity from something worth a closer look.
Honesty is part of the product. Here's exactly what your membership does.
Credit scores provided are educational VantageScore 3.0 scores (300–850) and may differ from the scores lenders use. Free annual credit reports are available at AnnualCreditReport.com or 877-322-8228, the only federally authorized source; Score Guardians is not affiliated with it.
Enroll in minutes and watch all three bureaus from one place.
Start My $19.99/Month Plan