Top 7 Credit Check & Monitoring Software for 2024 in the US

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1
Hive Fave
9.8
Honeycombs
Lenders check more than just your credit!
  • Get your net worth, debt-to-income ratio, and Personal Financial Manager (PFM) score
  • FREE credit score included
  • Watch your financial health grow
2
9.6
Honeycombs
Here to give you the tools to a better credit future
  • Credit Report from all three bureaus
  • Credit Score from all three bureaus
  • 24/7 Access to your credit reports & scores
3
Sweet Pick
9.6
Honeycombs
Build your credit by reporting your rent
  • Without us, rent payments are not factored into your credit score
  • Change your financial future for just $9.95/month
  • $0 Due Today With Code: SMARTPAY11
4
9.3
Honeycombs
Get a head-turning credit score with credit monitoring, alerts, scores, tips & tricks – all in one place!
  • Weekly TransUnion® credit report & score
  • Smart AI credit engine optimizes results
  • Enhanced credit monitoring & ID theft alerts
5
9.1
Honeycombs
Get your latest Credit Score today!
  • A good score can help lower payments for mortgages, car payments, credit cards, and more
  • Make sure your credit report is accurate and up to date
  • Keep your credit protected at all times
6
8.8
Honeycombs
Improve your credit score fast
  • Easy to read credit reports and insights
  • Fast and effective results
  • Free consultation and money-back guarantee
7
8.6
Honeycombs
Build Credit & Earn Rewards!
  • Track your FICO Score in real time
  • No hidden fees. Instant approval. Earn 1% on loans.
  • 4.94 out of 5 stars from our customers

How we found the best credit check providers for you

Research. Research. More research. It’s really that simple. Our dedicated team of online experts scour the internet every single day to find the best options available for our audience. We want to help save you money, and we want the process of saving to be easy for you to complete. The recommendations we provide are selected based on the following criteria; reliable service, ease of application, and trusted source. FinSpot wants you to be able to select the best option for you, and then move on with your life to focus on the things that matter, like family, friends, and a healthy life. Take a look at the following list and do your own research as well. We’re confident you’ll be satisfied with our selections.

1
PFM Verify
Lenders check more than just your credit
  • Get your net worth, debt-to-income ratio, and PFM score
  • FREE credit score included
  • Watch your financial health grow

A credit score is helpful, but it’s not enough. 

Lenders look at many other aspects of your finances too. PFM Verify breaks it down for you, so you’ll see your rating in each area that’s important to lenders.

What is a Personal Financial Manager (PFM)?

Our PFM provides an overall snapshot of your financial situation, as well as ongoing monitoring. By connecting your accounts, we can help you determine your liquidity ratio (expenses and liabilities), your saving ratio and provide impactful insights based on your financial behavior. You can now track your net worth, assets and liabilities, account balances, transactions, spending, budgets, and more.

PFM Verify does what credit reports don't. It can help you improve the management of your finances in order to achieve your personal goals, in the most effective way. PFM Verify gathers information regarding your income, expenses and gives you the necessary tools that will help you save money and make smart financial choices.

Over time, your financial wellness/health score shows your personal financial progress. Additional tools help you pay down debt, invest smarter and increase your net worth. Spending and budget tools help you painlessly track details, so you can make strides toward your best financial future.

2
clickfreescore
Here to give you the tools to a better credit future
  • Credit Report from all three bureaus
  • Credit Score from all three bureaus
  • 24/7 Access to your credit reports & scores

Get Informed Today!

ClickFreeScore.com is here to give you the tools to a better credit future. With ClickFreeScore.com's credit monitoring membership, we supply you with all three of your credit scores & reports. See how we can assist you on your credit journey.

Three Bureau Action!

That’s right! Why settle for a credit score and monitoring from just one bureau when you deserve all three. Get immediate access to all three of your scores and reports from any device at any time.

Credit Reports & Scores

  • Credit Report from all three bureaus - Take a closer look at what’s affecting your credit scores in all three of your credit reports.
  • Credit Score from all three bureaus - Learn all three of your scores to stay fully informed about your credit standing.
  • 24/7 Access to your credit reports & scores - View your scores and reports 24/7 from any device at a time of your choosing.

“What I like most about your company is the fact that you get information about credit, and a lot of benefits that go along with it that you can take advantage of. Customer service was top notch, they answered my questions and he gave additional information so that was also a bonus. Thanks!”

  • FRANCES S
3
RentReporters
Build your credit by reporting your rent
  • Without us, rent payments are not factored into your credit score
  • Change your financial future for just $9.95/month
  • $0 Due Today With Code: SMARTPAY11

Achieve your goals with better credit. 

RentReporters can help, whether it's building your future or rebuilding after the unexpected.

How much rent have you left on the table? Use our simple calculator to discover how much rent we will add to your new tradeline.

Change your Financial Future for just $9.95 per month +a $94.95 signup fee. Save 20% with an annual plan!

Why we chose RentReporters: They have an amazing Money Back Guarantee! We’re sure that you’ll love the impact reporting your rent will have on your credit. Don’t believe us? Let them know within 7 days if you’re not happy with the results, and they’ll remove your rent history from your credit and issue a complete refund.

 

4
Dovly
Get a head-turning credit score with credit monitoring, alerts, scores, tips & tricks – all in one place!
  • Weekly TransUnion® credit report and score
  • Smart AI credit engine proven to optimize results
  • Enhanced credit monitoring and ID theft alerts
Millions of Americans have errors on their reports. Let Dovly's AI fix yours.

Every day, people find harmful errors on their credit reports, but they don't realize they have a right to dispute them!

  • Step 1: We show you accounts hurting your score. Review them for anything that looks incorrect.
  • Step 2: Disputing errors is fool-proof! Don't be afraid to dispute something you believe is an error. There is no penalty if you're wrong, and disputing errors does NOT harm your credit score.
  • Step 3: Dovly's credit-correcting magic. You don't have to be a credit whiz to whip your score into shape. Our smart engine finds the quickest, most effective route to boost your score so you can enjoy financial peace of mind.

Achieving major life milestones made easy.

Quick - Enroll in minutes online. No call center agents!

Safe - Signing up doesn't impact your credit score.

Savvy - Smart AI credit engine proven to optimize results.

You’re awesome. Your credit score should be, too.

Dovly’s smart credit engine makes it easy to rock an impressive credit score. With a boost that can get you up close and personal to all those dreams that feel so out of reach.

5
Choice Credit Score
Get your latest Credit Score today!
  • A good score can help lower payments for mortgages, car payments, credit cards, and more
  • Make sure your credit report is accurate and up to date
  • Keep your credit protected at all times

Credit Score

A good score can help lower your payments for mortgages, car payments, credit cards, insurance premiums and more. Get your latest Credit Score today. Know where you stand!

Credit Report

See what the lenders see and make sure your credit report is accurate and up to date! Check your credit report for inaccuracies due to identity theft, divorce or just having a common name like John Brown. We'll tell you how to dispute these inaccuracies and clean up your report.

Credit Protection

Keep your Credit protected at all times. With our instant Credit Alerts and non-stop ID Theft Protection, you can stay one step ahead of ID theft. Know instantly if your credit is compromised!

6
The Credit Pros
Improve your credit score fast
  • Easy to read credit reports and insights
  • Fast and effective results
  • Free consultation and money-back guarantee

The Credit Pros has been helping people like you repair their credit by updating inaccurate items for over a decade. Our commitment is to making sure that everyone has a fair shot at good credit. Founded by a team of credit law experts, The Credit Pros wants to make sure that everyone has access to the same information and can learn what it takes to build good credit for a lifetime.

Not only do we offer credit repair, but we also provide financial and credit education tools and resources to help our clients understand what’s on their report and how their credit score works. With this education and our AI-based credit management tools, our clients can work to take control of their financial future and live a life without credit worries.

Why we chose The Credit Pros: With The Credit Pros, you get;

  • Easy-to-read credit reports and personalized score insights
  • Tools & tips to help you understand your score and take the next step.
  • Credit Monitoring is Included at No Additional Charge which can help you spot potential identity theft.

 

7
Kovo
Build Credit & Earn Rewards!
  • Track your FICO Score in real time
  • No hidden fees. Instant approval. Earn 1% on loans.
  • 4.94 out of 5 stars from our customers

Better credit makes owning a car and home possible, with higher odds for approval. You can also lower your monthly interest payments when you have a higher credit score.

Payment history is the single biggest factor that contributes to your credit score, and with the Kovo Installment Plan your monthly payments are reported to the credit bureaus. What this means is that with Kovo, you can be on your way to building a stronger credit profile.

How it works: Apply for the Kovo Installment Plan to buy Kovo Courses, and make on-time monthly payments.

  • Build with installments - $10/mo for 24 months. Reports to all 4 credit bureaus (TransUnion®, Equifax®, Experian®, Innovis®)
  • Learn with courses - Learn valuable skills that help you succeed in a fast-changing world.
  • Earn with rewards - Unlock rewards as you build credit. Up to $1,225. Available to eligible customers with 4 on-time payments.

Why we chose kovo: Kovo doesn't just offer a quick and easy method to improve your credit score, they actually want you to learn why its improving and to adjust your spending habits.