Debt & Credit Repair

REVIEW If you need to run multiple background checks, then it’s worth paying for a PeopleFinders subscription.

Editor’s Note: This product has been removed from our side-by-side comparison because it has been replaced by another product.

Credit Sesame is a relatively new service that offers credit monitoring at a variety of levels. We looked at the Platinum Protection Plan that costs $19.95 and includes monthly access to your three-bureau credit reports in addition to identity monitoring features.

PrivacyGuard is an identity protection service that includes credit monitoring. A membership costs $19.99 a month. This cost is about average, though TransUnion and Credit Karma are both more affordable options.

Experian is one of the three credit bureaus that monitor, track and generate credit reports. You can purchase reports directly through the bureau. It also offers a service called IdentityWorks that is available in two versions: Plus and Premium. Both have free trials for the first month.

FICO scores are the most commonly used scores when lenders are making decisions. There are other scoring models that lenders use, but FICO tends to be the most standard. So using myFICO gives you a firsthand look at what your lenders are seeing.

TransUnion is one of the three primary credit bureaus. It offers its own credit monitoring service for a monthly cost of $9.99. One of the drawbacks is that it only monitors your TransUnion score and report and doesn’t offer a complete look at your three-bureau reports.

SenecaOne can give you a lump sum payment for your structured annuity, whether it's a structured settlement or lottery winnings.

Annuity Transfers is a structured settlement company based in Plano, Texas. It has been in business since 2003 and specializes in buying annuities and structured settlements. It doesn't offer any additional financial services.

Editor’s Note: This product has been removed from our side-by-side comparison because it is no longer available. You can still read our original review below, but Top Ten Reviews is no longer updating this product’s information.

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 Debt Settlement here. For a little more control over your situation, you may consider NegotiateBills.com.

Editor's Note: This review has been removed from our side-by-side comparison because it no longer ranks as a top 10 product.