Skip to main content
    TekSure
    Step 1 of 4
    Safety & Privacy
    Beginner
    2 min read 4 stepsApril 4, 2026Verified April 2026

    How to Set Up Free Credit Monitoring

    Monitor your credit for free and get alerts if someone tries to open accounts in your name.

    In this guide (4 steps):

    1. 1.Get your free credit report
    2. 2.Set up free monitoring with Credit Karma
    3. 3.Set up alerts with your bank
    4. 4.Consider a credit freeze
    1

    Get your free credit report

    ~18s
    Go to annualcreditreport.com (the only official site). You can get a free credit report from each of the three credit bureaus (Equifax, Experian, TransUnion) every week. Review each report for accounts you do not recognize.

    Warning

    Only use annualcreditreport.com. Many other sites that say "free credit report" will try to sign you up for paid services.

    2

    Set up free monitoring with Credit Karma

    ~15s
    Download Credit Karma (completely free, no credit card needed). Create an account with your name, address, Social Security number, and date of birth. Credit Karma will monitor your TransUnion and Equifax reports and alert you to any changes.
    3

    Set up alerts with your bank

    ~15s
    Most banks offer free transaction alerts. Log into your bank app, go to Settings or Alerts, and turn on notifications for: purchases over a certain amount, international transactions, online purchases, and account balance changes.
    4

    Consider a credit freeze

    ~24s
    A credit freeze prevents anyone (including you) from opening new credit accounts in your name. It is free and does not affect your credit score. Contact each bureau: Equifax (equifax.com/personal/credit-report-services/credit-freeze), Experian, and TransUnion. You can temporarily lift it when you need to apply for credit.

    Quick Tip

    A credit freeze is the single most effective step you can take against identity theft. It is free, takes 10 minutes, and blocks 90% of fraud attempts.

    You Did It!

    You've completed: How to Set Up Free Credit Monitoring

    Need more help? Get Expert Help from a TekSure Tech

    Rate this guide

    How helpful was this guide?

    credit
    monitoring
    identity
    security
    finance
    beginner

    Official Resources

    FTC Consumer ProtectionCISA — Cybersecurity TipsAARP Fraud Watch Network

    Sources used to create and verify this guide. View all sources →

    ← Previous

    How to Stay Safe on Public WiFi

    Next →

    What to Do If Your Identity Is Stolen

    Still stuck? Let a pro handle it.

    Our verified technicians can fix this issue for you — remotely or in person.

    Book a Verified Tech How It Works

    Related Guides

    How to Secure Your Home Wi-Fi Network

    Simple steps to lock down your home router, keep strangers off your network, and protect every device in your house.

    3 min read

    Setting Up Two-Factor Authentication (2FA) on Any Account

    Add a second layer of security to your most important accounts. This one change stops most account takeovers cold.

    3 min read

    Staying Safe on Social Media

    How to protect your privacy on Facebook and Instagram, spot fake accounts, and avoid the most common social media traps.

    3 min read

    How to Set Up Free Credit Monitoring — Step-by-Step Guide | TekSure