Pros / The Privacy Matters reports include information from all three credit bureaus, so the information is complete.
Cons / This credit report service does not have identity theft insurance coverage or lost wallet protection.
Verdict / With a complete report that lists data from all three bureaus and alerts you whenever anything changes, you can closely track your credit.
Editor's Note: This review has been removed from our side-by-side comparison because it no longer ranks as a top 10 product. The original review is below, but check out our current top 10 about Credit Reports here.
Privacy Matters is a credit-monitoring service that alerts you when anything changes on your credit report. This credit report service pulls information from TransUnion, Experian and Equifax, which is important because creditors are not required to report information to all the bureaus and any errors on one could hurt your credit rating. If you keep an eye on only one or two reporting bureaus, you might end up missing some crucial misinformation that could seriously harm your credit rating.
Although the report is thorough, the credit score model this service uses is not as popular as others are. Additionally, this service does not offer lost wallet protection or identity theft insurance coverage.
Privacy Matters provides a credit report that has information and credit scores from the three credit bureaus: Equifax, Experian and TransUnion. The scores are TransLink scores through TransUnion. The scoring model that Privacy Matters uses is not as popular among lenders, so it is probable that the score this report gives you and the one your lender calculates will be different. You can access this report as many times as you want.
With this credit monitoring service, you receive alerts if there are any changes to your information with the three credit bureaus. This is an improvement over the annual credit report that many people seek, which can be risky since so much can changes in a short time with so many financial transactions occurring online.
Additionally, you receive a notification if someone tries to open a new account, change your address or change public record information associated with your name.
This credit monitoring service comes with a few useful extras, such as identity theft restoration, "what if" simulators and unlimited telephone support. Its identity theft restoration service will help you restore your credit if someone steals your identity. The "what if" simulators can show you what effects specific actions might have on your credit score. All members receive unlimited toll-free access to customer service, and reports are available online 24/7.
Privacy Matters can help you know what to do if you need to dispute something on your credit report or if you are worried that someone is committing fraud with your information.
This company provides a few FAQs about its service online. Privacy Matters has a learning center that includes numerous articles covering topics as various as bankruptcy, credit monitoring and car loans. The site includes helpful and free credit calculators that can estimate credit card and mortgage payoff times, along with calculators for auto loans and whether it would be smarter to lease or buy a car.
Privacy Matters gives you a credit report containing information from all three credit bureaus. The credit score model this service uses is not as popular among lenders, so it may not be relevant to your needs. You cannot obtain identity theft insurance coverage or lost wallet protection through this service.