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This free credit monitoring service lets you simulate how big decisions may impact your credit score.

provides the most coverage by also alerting you of changes to your Equifax reports. But this isn't an option with CreditWise.

You can receive email updates whenever your Experian and TransUnion credit reports change. Alerts you may receive include new account inquiries and openings, delinquent accounts and balance changes.CreditWise stands out from other free services by providing dark web surveillance and social security number alerts.

Plus you’ll receive notice if your social security number is associated with a credit application that has a new name or address. As an added tool, CreditWise provides a credit score simulator that can help you to gauge the potential effect that certain actions, such as

 

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