ID Watchdog Credit Monitoring Review

What is ID Watchdog Credit Monitoring?

ID Watchdog is based in Denver, CO and was founded in 2005. Credit monitoring is the process of reviewing your credit reports for accuracy and changes that may be caused by fraudulent activity. You can monitor your credit by yourself or by using a credit monitoring service, such as ID Watchdog Credit Monitoring.

How much is ID Watchdog Credit Monitoring?

ID Watchdog Credit Monitoring charges a monthly fee that ranges from $14.95 up to $19.95.

How accurate is ID Watchdog Credit Monitoring?

ID Watchdog Credit Monitoring is as accurate as the information on your credit bureau reports. Only you can tell if the information is incorrect or incomplete.

ID Watchdog Credit Monitoring offers access to all three credit reports, which is a huge benefit if you want to ensure all the information used by creditors is accurate.

Your credit reports can differ significantly depending on which credit bureau's data you use. So, it is a good practice to check all three credit reports.

ID Watchdog Credit Monitoring offers access to the credit reports mentioned below.

Credit Bureau Reporting Options

Experian Equifax TransUnion

Credit scores also vary depending on the model used, such as Vantage or FICO 8. ID Watchdog Credit Monitoring does not give you access to your FICO score. Other score models, such as VantageScore, are useful but they don't show you the score most lenders are looking at.

What features does ID Watchdog Credit Monitoring offer?

There are many credit monitoring services, free and premium, to choose from. So, you can get picky when it comes to credit monitoring features. Here is a summary of the features ID Watchdog Credit Monitoring offers.

ID Watchdog Credit Monitoring Features

Description
Credit Bureau Reporting	Equifax Experian TransUnion
Credit Monitoring Features	Account Freeze Help Credit Change Alerts Dispute Help Triple Bureau Credit Monitoring
Credit Report Frequency	Monthly
Identity Protection	Identity Restoration Support Identity Theft Insurance Identity Theft Monitoring

How to contact ID Watchdog Credit Monitoring?

The easiest way to contact ID Watchdog Credit Monitoring is visit their website and go to their help and support page. You can typically find a link on the footer of their homepage. click here.

How does ID Watchdog Credit Monitoring compare to other credit monitoring companies?

Pros & Cons of ID Watchdog Credit Monitoring

Pros	Cons
Offers access to the data of multiple credit bureaus. Experian's credit report. TransUnion's credit report. Equifax's credit report. Helps with disputing errors on your credit report. Will help you put a freeze on your credit report. Access to all three national credit bureau reports. Provides identity protection.	FICO Scores are not available. No free credit monitoring. No free trial available. Does not allow you to check your updated credit report anytime you want.