According to the 2019 Identity Fraud Study by Javelin Strategy & Research, 14.4 Americans fell victim to identity fraud in 2018. The threat of credit fraud and identity theft is very real, leading more and more people to opt for an identity monitoring and protection service.

Credit Squad is one such service offering an extensive suite of products and services. Is it the right choice for you? Read on to find out.

About Credit Squad

Like most credit and ID monitoring companies, Credit Squad provides a variety of levels of monitoring, alerts, and protection. Unlike some others, however, this company has made an effort to set themselves apart by providing some unique benefits.

Of course these different levels come with graduating price points, giving you several options to fit your budget, ranging from $14.99 to $49.99 a month. Among the more expensive plans is a family package, which covers you and your children.

One of things we like about Credit Squad is their approach to customer service. They utilize a team of US-based professionals so that real humans are available to answer questions and address issues.

Credit Squad also uses a complete 7-year history for a full picture of your credit score, providing insights into fluctuations that have occurred over your entire credit history.

How It Works

There are three options for each of Credit Squad’s packages – individual and family.

Standard (includes one credit bureau):

  • Annual credit report via Experian
  • Credit monitoring
  • Access to your score
  • Credit score tracker
  • Real-time inquiry notifications

Complete:

  • Annual and monthly credit report
  • Credit score and tracker
  • Real-time inquiry notifications
  • Change of address monitoring
  • Early warning account takeover
  • Education center
  • Full-service ID restoration

Elite (includes all three credit bureaus):

  • Annual credit reports
  • Credit score, monitoring, and tracker
  • Real-time inquiry notifications
  • Change of address monitoring
  • Early warning account takeover
  • Education center
  • Full-service ID restoration

Complete and Elite also include bonus benefits like sex offender monitoring, lost wallet replacement, and $1 million in ID theft insurance.

Who Should Use Credit Squad?

This credit and identity protection service is best for those who want the option of adding comprehensive features. If you’re just looking for basic ID and credit score monitoring you may be able to find a better rate.

Pros 

  • Family coverage option
  • Full-service ID restoration available
  • Comprehensive credit score tracking
  • Live human customer support

Cons

  • Full coverage is on the pricier side
  • Extra features not necessary for some users

Summary

Credit Squad is a great choice if you want a complete package of credit and ID monitoring options, along with personal guidance on managing your credit profile. Human customer service makes it an attractive option, and the wide variety of alerts and notifications will keep you totally on top of things.

For those who just want basic monitoring and protection there are some cheaper options available, however Credit Squad packs a big punch at competitive prices.