Credit monitoring usually focuses specifically on your financial accounts and your credit reports, while identity theft protection services track your personal information like your name, Social Security number, and address. Free credit monitoring gives you access to credit report information and scores without having to pay for it. Which report info you see (from TransUnion, Experian, or Equifax) depends on which bureau a credit monitoring service uses. Once every year, you're guaranteed free access to your credit report via , from each of the three credit reporting bureaus ( TransUnion , Equifax and Experian ). These reports, however, will not include your credit score , unless you choose to pay for it. Credit Karma and Credit Sesame both offer the opportunity to see your credit score for free.