Credit Monitoring
Stay ahead of your credit—by measuring it.
Anything not monitored or measured tends to go out of control. Great credit isn’t just about dispute letters—it's about continuous visibility so you can act fast on new activity, protect your identity, and make smarter moves with confidence.
Required for Meta Fiscal clients: Keep an active Credit Hero Score account during service. This lets our team consistently monitor your reports and react to alerts in real time.
1) Credit Hero Score
Daily monitoring • $1/7-day trial → $27.99/mo
What it is
Credit monitoring built for credit-repair workflows (tight CRC integration).
Update cadence
Daily monitoring & alerts on your credit data.
Pricing
$1 trial for 7 days, then $27.99/month. Easy self-cancel.
Why it stands out
Streamlined imports/report viewing for dispute work; clear interface for clients; frictionless sharing.
2) Credit Karma
Daily checks (TU & Equifax) • Free
What it is
Free credit monitoring using VantageScore 3.0 with data from TransUnion & Equifax.
Update cadence
Regular/daily checks with real-time alerts on TU & Equifax changes.
Pricing
Free.
Why it stands out
Zero-cost monitoring, frequent alerts, and easy access to TU/Equifax reports without paywalls.
3) Credit.com
Score updates every 14 days (free) • ExtraCredit $24.99/mo
What it is
Free Experian-based VantageScore 3.0 “Credit Report Card,” plus a paid bundle called ExtraCredit with 3-bureau data and FICO® variants.
Update cadence
Free plan: score updates every 14 days. ExtraCredit: monthly 3-bureau reports + 28 FICO® Scores.
Pricing
Free plan. ExtraCredit: $24.99/month (promos may apply).
Why it stands out
All-in-one bundle (3-bureau + FICO variants) with optional rent/utility reporting to help build history.
4) TransUnion (Bureau)
Daily TU report & score • Free plan; Premium ≈ $29.95/mo
What it is
One of the three major credit bureaus—monitor your TransUnion data directly from the source.
Update cadence
Free subscription includes daily TU report & score refreshes with alerts.
Pricing
Free “Credit Essentials.” Paid “Credit Premium” around $29.95/month adds ID monitoring/insurance.
Why it stands out
Source-level visibility and direct access to freezes, disputes, and alerts through TransUnion’s service center.
5) Experian (Bureau)
IdentityWorks trial • Premium $24.99/mo
What it is
Another major credit bureau—monitor at the source with Experian; strong identity protection options.
Update cadence
IdentityWorks Premium includes daily Experian report access; other Experian tiers offer monthly 3-bureau views.
Pricing
Free 7-day trial, then typically $24.99/month for IdentityWorks Premium; family options available.
Why it stands out
Robust ID monitoring/restoration and (in some plans) FICO® access—plus direct Experian dispute/freeze tools.
