How to Get & Set Up Credit Karma Free Credit Monitoring

As a Credit Karma user, I recently received an email announcing that they have begun offering daily free credit monitoring in addition to free credit scores. This is a fairly big deal, as many Credit Karma alternative services charge close to $25 per month for packages that include credit monitoring. To offer credit monitoring for free is unheard of.

How do I Get Free Credit Monitoring with Credit Karma?

To get the free credit monitoring service, you must first sign up for a free Credit Karma account here.

After signing up, then opt-in to the free credit monitoring by going to “Profile & Settings”, then “Communications and Monitoring” and enable the credit monitoring notifications buttons.

UPDATE: Credit Karma is now offering free TransUnion score and credit report and free Equifax score and credit report access too! It updates every few weeks and you can check it as often as you’d like.

Credit Karma free credit monitoring

What is Credit Monitoring?

Credit monitoring is a service that automatically updates you when a significant change has been identified in your credit report. This could include a hard or soft credit inquiry, a new credit account being started, late payment updates, or updates to your personal information.

You will automatically get an email when one of these things happens. In the long run, this can help you protect your credit and protect yourself from identity theft. If you have a big credit event such as a loan application coming up, it can also protect you from any unforeseen roadblocks.

Just like Credit Karma’s credit score service, which offers up your TransUnion VantageScore, it is also free. You do not need to enter your credit card or any payment information like you do with other free credit score services. For more on this and a look at the security features the service provides, check out my full Credit Karma review.

How Much Does Credit Monitoring Cost?

What’s surprising about this move, is that credit monitoring is a service that is not cheap. Equifax charges $24.95 per month for a package that includes credit monitoring, Experian charges $24.99 per month, Credit Sesame’s “Sesame+” charged $24.99, and even TransUnion, (who is partnering on service to Credit Karma), charges $29.95 per month. So, free is quite the bargain!

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