Best place to join?

I use IdentityGuard to check my reports. I think to get the scores is extra. I pay $12.95 monthly to get regular updates on my 3 reports and be able to fix things on my report.

I use FreeCreditReport.com. Not really free, but I have found the information and monitoring that they provide quite useful as I work to improve my credit score. I found one retail account that showed open after over 12 years of no use. It is now fixed. I am sure there are other sites that members will share with you. I think access to your credit reports on an ongoing basis is essential to a campaign to improve your scores.

I recommend https://www.annualcreditreport.com/ because they are a part of the Federal Trade Commission. The three CRAs provide all the consumers' information to the website in furnishing the reports as required by the federal laws.

Gmanch-

With identity guard, will they give me a updated credit report every quarter if I went with the Level 3 Extra Caution reports?

Fatb88-
I have used all my free annual reports as I been checking my reports often. Even purchase one a few months ago.