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While the "Big Three" bureaus provide the raw data, secondary companies offer monitoring services to alert you to changes or potential identity theft. Key Features Overall Protection
Real-time alerts across all three bureaus and identity theft insurance. FICO Score Access credit check companies
Monitoring of various FICO versions used for mortgages and auto loans. Your Legal Rights in 2026 While the "Big Three" bureaus provide the raw
: Happens when you check your own score or for pre-approved offers; it does not affect your score. Your Legal Rights in 2026 : Happens when
: As of January 1, 2026 , the maximum amount a bureau can charge for additional file disclosures is $16.00 .
Major business credit agencies include , Experian Business , and Equifax Business . Top Monitoring Services (2026)
Direct access to the score most lenders use and "Experian Boost" for utility payments. Free Monitoring