Best credit monitoring services for 2025 focus on security and real-time alerts

The best credit monitoring services of 2025 provide enhanced security, real-time alerts, and tools for managing credit scores and identity protection. Options range from free services like Credit Karma to comprehensive plans like IdentityForce UltraSecure+Credit. CreditWise from Capital One offers free monitoring from TransUnion and Experian, but lacks full access to Experian data. IdentityForce UltraSecure+Credit monitors all three bureaus and includes additional cybersecurity features, while Aura focuses on family plans with similar protections. Free services like Credit Karma and Experian Free Credit Report provide basic monitoring but may include ads. Paid services offer more extensive features, including identity theft protection and educational resources for improving credit scores.