Each of the services on the market today that offer credit monitoring brings its own set of advantages and disadvantages, benefits and limitations.
If you really have a budget constraint, there is still the option to go with the free services available. Some of them have limited features while others lack certain attributes such as security. However, they are still able to provide the basic assistance that you need in handling your credit score, and for many, being able to see what sort of position their in could be all they need to go ahead and apply for a loan.
Determining which one is most suitable for you is a process in itself. You have to take several considerations into mind. These include how long you have been monitoring your credit score and what is your purpose for doing so now. Some service providers can give you in-depth information about your history going a few months or more years back.
Overall, the best method will involve combining data from all three of the UK’s leading credit reference agencies, though how you do this is down to you.