Credit Monitoring credit reports can be a good deal if you are needing to review your credit report often. But the Credit Reporting Agencies do provide free credit reports if consumers meet the qualifications.
Credit monitoring credit reports help consumers identify ID Theft, but the consumer is unable to dispute or activate a fraud alert with the credit monitoring service. They have to direct them to the Credit Reporting Agencies to handle this problem.
Credit monitoring service credit reports are not as detailed as the credit reporting agency credit reports. Sometimes the address to contact creditors and collection agencies are missing. Also often the expiration dates are missing that consumers need to determine reporting time, or check if they are still within the statute of limitations.
the credit reporting agency credit reports contains a report number and phone number to access customer service. Consumers can't just go to the sites to obtain this number, a credit report must be obtained in order to get into customer service. The credit reporting agencies do change these numbers from time to time, requiring constant access to check for current numbers.