Score Guardians watches all three nationwide credit bureaus and stamps every change into one living ledger — so nothing happens to your financial name without you seeing it first.
Educational scores · No credit checks to enroll · Cancel anytime
We don't bury your credit behind a dashboard of tiles. We keep a running ledger of what changes across all three bureaus — and the moment a new line is written, you see it.
A lender, landlord, or service pulled your file — an early signal of activity in your name.
A new tradeline appeared on one of your three reports. We record it the day it posts.
Meaningful shifts in what you owe or an account's standing are entered as they happen.
Changes to the personal information on your file — a common first sign of fraud — are flagged.
Credit activity keeps no business hours. When a new entry is stamped on any of your three reports, you get a plain-language alert — what changed, on which bureau, and what it means.
Open your ledgerThe scores in your ledger are educational VantageScore 3.0 scores (a 300–850 range) meant to help you understand and track your credit. They may differ from the scores a specific lender uses. We monitor and inform — we do not repair credit or promise any change to your score.
Your record doesn't end at three scores. These chapters are being prepared — future stamps on the same line.
Monitoring for your personal details where they shouldn't appear, with guided next steps.
A guardian in your corner if your identity is ever misused — to help set the record straight.
Score factors and trends, written in plain language, so you always know why the number moved.
What you're agreeing to: $19.99/month, billed when you enroll and auto-renewing monthly until you cancel. Cancel anytime online — as easy as joining. No cancellation fees.
"Seeing all three bureaus written into one place — and being told the moment anything changed."Illustrative example — not an actual member review
No. Score Guardians is a credit monitoring service. We don't dispute items for you or promise to raise your score — we keep an honest, watched record of your credit so you can act on it yourself.
They're educational VantageScore 3.0 scores (300–850) to help you track your credit. A specific lender may use a different model, so your score there can differ.
Anytime, online from your account — it's as easy as signing up — or call us. There are no cancellation fees, and your access continues through the period you've paid for.
Yes — you can get free reports each year at AnnualCreditReport.com, the only federally authorized source. Score Guardians watches all three year-round and tells you the moment something changes.
Three bureaus, one living ledger, watched around the clock — for $19.99 a month.
Open your ledger