3-Bureau Credit Monitoring

Watch your credit like a guardian.

See your educational scores from all three bureaus, get monitored 24/7, and catch changes the moment they happen — for one simple price.

Start my $19.99/month plan See how it works

$19.99/mo, auto-renews until you cancel · Cancel anytime · Educational scores.

Your monitored score Sample

VantageScore 3.0

300850

Illustrative score for display only.

All three bureaus Bank-level encryption Cancel anytime online

Data sources: Equifax · Experian · TransUnion

Everything included

One plan. The full picture of your credit.

No tiers, no add-ons — every member gets the complete toolkit to watch their credit closely.

Three-bureau scores

Educational VantageScore 3.0 scores built from all three nationwide credit bureaus, side by side.

Three-bureau reports

Review the details behind your scores with full reports drawn from each bureau, all in one place.

24/7 monitoring

We keep watch around the clock so you never have to wonder what's happening with your credit.

Instant alerts

Get notified the moment key changes are detected, so surprises don't sit unnoticed for weeks.

Monthly refresh

Your scores and reports refresh every month, so you're always looking at a current picture.

Education center

Plain-English guides that explain what moves credit scores — so the numbers actually make sense.

How it works

Up and running in three quick steps.

From sign-up to monitored, the whole thing takes just a few minutes.

Enroll

Create your account and start your $19.99/month membership in a couple of minutes.

Verify your identity

Confirm a few details so we can securely connect your credit information.

See all three & get monitored 24/7

View your three-bureau scores and reports — then we watch them around the clock.

Simple pricing

One price. Everything in.

No confusing tiers. No surprise upsells. Just complete three-bureau monitoring.

Score Guardians Membership

$ 19.99 / month

The full Score Guardians toolkit for one flat monthly price. Cancel anytime, online.

All 3 bureaus 24/7 monitoring Cancel anytime

What's included

Three-bureau educational VantageScore 3.0 scores
Three-bureau credit reports
24/7 credit monitoring with instant alerts
Monthly score & report refresh
Education center & plain-English guides

$19.99/month, billed when you enroll and auto-renews monthly until you cancel. Cancel anytime online — as easy as signing up. No cancellation fees.

Start my $19.99/month plan

Educational VantageScore 3.0 scores (300–850). May differ from scores lenders use.

“Seeing all three bureaus in one dashboard finally made my credit feel understandable. The alerts mean I'm never caught off guard.”

Jordan M.Score Guardians member

Illustrative example — not an actual member review

FAQ

Straight answers.

Are you a credit repair company?

No. Score Guardians is a credit monitoring service only. We do not file disputes on your behalf, repair credit, or guarantee any change to your scores.

Are these the scores my lender uses?

The scores we show are educational VantageScore 3.0 scores (300–850 range). They help you track your credit over time, but the scores a lender uses may differ.

How do I cancel?

You can cancel online anytime from your account — it's as easy as signing up. There are no cancellation fees.

Isn't my annual report already free?

Yes. You're entitled to free annual credit reports at AnnualCreditReport.com. Score Guardians is a separate paid monitoring subscription that adds ongoing tracking, alerts, and monthly refreshed educational scores.

Your credit, guarded.

Join Score Guardians and start watching all three bureaus today.